Disability Income Insurance
  • Protection for owners and key employees’ income if disabled, this is the disability income equivalent of key person life insurance. Disability actually poses a greater risk, statistically, than death for people at most ages.  A disabling illness or injury to a small business owner, especially when he or she is the sole “key person,” can cripple the firm financially. In addition, small firms may have no access to a group long-term disability plan that many larger employers purchase as an economical way to provide some protection.

​Multi-Life Guaranteed Standard Issue
  • Income protection for your valuable employees, added protection for your business.  Ohio National's Multi-Life Guaranteed Standard Issue product simplifies the underwriting process and allows multiple employees to get individual policies with no exclusions or ratings.  You can pay the premiums, split the cost with your employees, or have your employees pay.  If the business pays the premiums, they are tax deductible as a business expense.

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