Ohio National Debuts Its Newest DI Product

Cincinnati – Ohio National Financial Services is pleased to announce its most competitive
disability income product to date, which offers unmatched value in the DI marketplace and some
of the industry’s most flexible policy design.

ContinuON Income Solutions® II, which is now approved in 39 states and the District of
Columbia, * offers a wide range of options for a variety of needs and budgets. Based upon a
budget and level of protection needed, 36 different premium structures are available. Other
features include:
- Pure own occupation definition: This rider allows the insured to receive full benefits tied
to his or her own occupation even when employed elsewhere.
- Unlimited mental disorder and substance abuse coverage: This is now available to most
occupations and benefits are payable up to the maximum benefit period.
- Annual Renewable Disability Income (ARDI) rider: More affordable coverage is available
earlier in an insured’s working years. The low initial premium increases annually up to age
55 with an option to convert to a level premium, up to age 50.

“ContinuON Income Solutions® II marks our most competitive entry into the disability
insurance market to date and is our most robust product yet, striking a balance between
attractive rates and desirable features,” said Charles T. Lanigan, JD, CLU, Ohio National’s senior
vice president, disability income strategic business.

Other benefits include:
- New occupation classes
- 10-year benefit period
- Residual riders – For those who are still working but suffering a loss of income, time
and/or duties; basic and enhanced versions now available to all occupation classes.
- Issue age up to 70 – goes beyond the typical retirement age, which is 65.
- Hospice care benefit – If the insured is deemed totally disabled, the elimination period is
waived when receiving hospice services.
-Survivor benefit – Pays up to an additional three months of benefit if the insured dies
while receiving benefits.

“Income protection products shouldn’t be designed in a vacuum – they need to
accommodate real people with real needs and real budgets. That is what we offer with
ContinuON Income Solutions® II,” said Lanigan.

Tracing its corporate origins to 1909, Ohio National markets a variety of insurance and
financial products through more than 50,000 representatives in 49 states (all except New York),
the District of Columbia, Puerto Rico and through affiliated operations in South America.