Life insurance questions

Frequently asked questions

We’ve gathered our most frequently asked questions for you. If you don’t find your question or answer here, please contact us at 800.366.6654.

As the owner of a life insurance policy, you may change your primary or contingent beneficiary at any time provided the current beneficiary designation is revocable. To change your primary and/or contingent beneficiary, please request Form 3116 (Life Insurance Designation of Beneficiary). This form is also available upon logging into your online account. Go to Product & Support > Forms to download.
Please send your new address by writing to the Life and Disability Income Insurance Customer Service address below or log in to your online account and go to My Account > Address Change to complete and submit online. A letter of confirmation will be mailed when the address is changed.
Life and Disability Insurance Customer Service
P.O. Box 237
Cincinnati, OH 45201-0237
Loans of up to $25,000 may be requested over the phone by the owner of the policy. The check will be mailed to the owner at their address of record under normal circumstances; however, submitting Form 4620 (Wire or Electronic Funds Transfer Agreement for Direct Deposits) may allow for the funds to be directly deposited into the policy owner’s bank account.
Loans over $25,000 require a signature on the proper form for that policy; Ohio National reserves the right to require a signed form. Loan requests for trust or corporate owned policies, or to pay premium on another policy, must be submitted on the proper form and cannot be accepted over the phone. You may borrow only an amount up to the loan value of your policy. Interest on the loan is charged annually in advance, unless it is an Indexed Universal Life policy which is charged in arrears. It is recommended that you discuss the consequences of taking a loan with your representative.
Dividends may be available on an Ohio National whole life insurance policy and are declared when Ohio National shares its financial success and returns a portion of your premiums. Dividends are not guaranteed.
If mailing your payment to the Home Office, please send it to the address below with your policy number in the memo area:
Ohio National Financial Services
P.O. Box 237
Cincinnati, OH 45201-0237
If you have a premium notice, the payment processing center address is on the return address label.