Ohio National Life Insurance Company issued life insurance policies across the United States for many decades, including term life, whole life, and universal life coverage. The company also sold policies through financial advisors and employer related benefit programs. In recent years, many Ohio National policies were transferred to other insurers through corporate transactions, which can create confusion when beneficiaries attempt to file a claim.
When a claim is submitted after the death of the insured, beneficiaries may encounter delays, investigations, or denials depending on the circumstances of the policy. Disputes may involve application information, policy status, or questions about which company now administers the coverage.
Attorney Christian Lassen represents beneficiaries nationwide in disputes involving denied and delayed life insurance claims.
Ohio National Policies and Recent Corporate Changes
Ohio National Life Insurance Company entered into a transaction in which its life insurance business was transferred to another insurance group. Because of this change, policies originally issued by Ohio National may now be administered by a different insurer.
This situation can lead to confusion for beneficiaries who find an older policy document listing Ohio National but must file the claim with a different company. The policy itself typically remains valid, but identifying the correct company to handle the claim may take additional steps.
Common Reasons Ohio National Life Insurance Claims Are Denied
When a life insurance claim connected to an Ohio National policy is denied, the insurer usually relies on language contained in the policy or information discovered during the claim investigation.
Application information disputes
Life insurance applications require the insured to provide health history and other personal information. If the insurer later concludes that the information was inaccurate or incomplete, it may attempt to deny the claim.
Example:
The application states that the insured had not received treatment for a particular medical condition, but medical records later show treatment before the policy was issued.
Contestability period reviews
Most policies allow the insurer to review the application during the first two years after the policy begins. If death occurs during this period, the insurer may examine medical and prescription records to confirm the accuracy of the application.
Example:
The insured dies during the first year of the policy, prompting the insurer to conduct a detailed underwriting review.
Policy lapse allegations
Some disputes involve claims that the policy was no longer in force because premiums were not paid. Billing changes, missed automatic payments, or administrative errors can sometimes lead to disagreements about whether the policy remained active.
Example:
A premium payment was missed after a change in billing arrangements, and the insurer claims the policy lapsed before the insured died.
Beneficiary disputes
If more than one person claims the life insurance proceeds, the insurer may delay payment while evaluating the competing claims.
Example:
An older beneficiary form lists a former spouse, while a newer form names another family member.
Claim Investigations and Document Requests
Once a claim is filed, the insurer may review several types of documents before deciding whether to approve payment.
The investigation may include:
Medical records from treating physicians and hospitals
Prescription history reports from pharmacy databases
The original policy application and underwriting file
Autopsy reports or death investigation records
Policy billing and premium payment records
These documents allow the insurer to evaluate whether the policy requirements were satisfied.
Identifying the Current Company Handling the Policy
Because of changes involving Ohio National’s life insurance business, beneficiaries may need to confirm which insurer currently administers the policy. Old policy statements, premium notices, or correspondence may identify the company responsible for servicing the policy today.
Once the correct company is identified, the claim process typically proceeds according to the policy terms.
Legal Help With Ohio National Life Insurance Claim Denials
Life insurance disputes involving older policies can become complicated when corporate transactions or administrative changes affect policy servicing. Beneficiaries may have options to challenge a denial or delay once the relevant policy documents and claim records are reviewed.
The Lassen Law Firm focuses exclusively on life insurance disputes nationwide. Attorney Christian Lassen has more than 25 years of experience representing beneficiaries in denied, delayed, and contested life insurance claims.
If a life insurance claim involving an Ohio National policy has been denied or delayed, legal review can help determine whether the insurer’s decision can be challenged.