Ohio National is a great option to go for quality life insurance. The company has been in the business for over 100 years, and has high ratings across the board. Ohio National does not have a high complaint ratio for a reason, and people are generally satisfied with the low and affordable rates. When it comes to prices, Ohio National can't be beat. The biggest negatives with Ohio National are that it does not offer a 30-year term, and that the underwriting process is stricter than most insurance companies. The underwriting factor does have the ability to raise the overall price, since people have less of a chance of getting into their best class. But because rates are so reasonably priced to begin with, this is less of a concern. For the 47 states that can access Ohio National's service, it's a great bet!