Ohio National consistently receives high marks for financial security and claims-paying ability from major independent analysts. Our excellent ratings from Standard and Poor's, Moody's and A.M. Best have been affirmed and remain unchanged since 1991. Relative to the industry, our ratings are higher than they were a decade ago.

  • Standard & Poor's reaffirmed its "AA" (Very Strong) rating for financial security characteristics, its third highest rating on a 21-part scale. In its review of Ohio National’s 2011 financial reports and operations, Standard & Poor's noted the enterprise's low cost structure and strong diversified distribution networks." Additionally, the affirmation reflects Standard & Poor's opinion that the enterprise "will continue to grow sales and operate profitably."

  • Moody's reaffirmed Ohio National's "A1" rating for insurance financial strength, its fifth-highest rating on a 21-part scale. Moody's noted the company's "strong capital position … well managed variable cost distribution … and stable block of in force life insurance." Also noted was the "conservative investment portfolio with minimal exposure to higher risk classes such as equities, alternative investments and commercial mortgage-backed securities." The report noted that the company's "investment portfolio is expected to perform well relative to peer companies in terms of its impact on capitalization."

  • A.M. Best also reaffirmed Ohio National's "A+ (Superior)" rating for balance sheet strength, operating performance and business profile, its second-highest rating on a 16 category scale.  The report noted the company's "strong risk-adjusted capitalization, positive net operating gains recorded in 2010 and the improved position of its investment portfolio." Best also noted that "Ohio National benefits from a diversified business profile with broad competitive product offerings ... It also benefits from an efficient expense structure, effective asset/liability management and a disciplined approach to (interest rate) spread management."