What to do when an Ohio National account holder dies
Report the death to Ohio National's AuguStar Financial Claims at 1-877-446-3010
Ohio National operates under a new nameRebranded, effective July 2023
The Ohio National Life Insurance Company is now AuguStar Life Insurance Company, and Ohio National Life Assurance Corporation is now AuguStar Life Assurance Corporation. Constellation Insurance Holdings completed its sponsored demutualization transaction with Ohio National on March 31, 2022; Constellation announced the rebrand of the Ohio National life insurance business as AuguStar Life on July 17, 2023, with the legal name changes expected in the fourth quarter of 2023. ohionational.com redirects to welcometoaugustar.com, and claims, forms and servicing run through AuguStar Financial (augustarfinancial.com).
Filing a death claim on a Ohio National policy begins with notifying the AuguStar Financial Claims at 1-877-446-3010. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
Death claim process
Follow these steps to file a death claim with Ohio National:
Filing a claim
- Life insurance claims: 877.446.3010, fax 513.794.4521, Claims@augustarfinancial.com
- Variable annuity claims: 888.925.6446, fax 513.794.4730, AnnuityClaims@augustarfinancial.com
- Fixed and fixed indexed annuity claims: 855.663.3901
- Disability insurance claims: 844.290.1790, fax 513.794.4521, DisabilityClaims@augustarfinancial.com
- Policy numbers; if they cannot be located, the insured's full date of birth and the last four digits of their Social Security number
- Full name of the deceased
- Date and manner of death (the online form asks for the cause of death)
- Whether the product is an annuity or life insurance
- Name and contact information, including mailing address and email, for the person filing or assisting with the claim
- Life or disability claims: AuguStar Financial, P.O. Box 237, Cincinnati, OH 45201-0237 (fax 513.794.4521)
- Annuity claims: AuguStar Financial, P.O. Box 5308, Cincinnati, OH 45201-5308 (fax 513.794.4730)
Required Documents
- Claim form, from each beneficiaryAuguStar sends the claim forms after the claim is reported. Each beneficiary completes and signs one.
- Certified copy of the death certificate for the insuredListed for all claims. On an annuity claim, documents can first be sent by email, fax or mail, and AuguStar reserves the right to request an original copy.
- USA PATRIOT Act Compliance Form (6415), from each beneficiary
- Additional documentation or forms, if the named primary beneficiary died before the insured, or an estate, trust, corporation or other legal entity is the named beneficiary
- New certification of trust (Trustee Certification, V-4603), if a trust is the beneficiary and AuguStar requests oneWith identity certification: a copy of a driver's license showing the address of record, a Medallion Signature Guarantee, or a notarized signature.
Claims Contact
Website: Online portal →
Forms Ohio National issues3
- Claim forms (a complete set sent by the claims department)
Completed by each beneficiary. Sent by the institution on request.1
- USA PATRIOT Act Compliance Form (6415)
Completed by each beneficiary. Available to download.2
- Trustee Certification (V-4603)
Available to download.3
What happens to each kind of account1
- Annuity
Only the death of the annuitant creates a claim. If the deceased person was not the annuitant there is no claim to the contract, but if they were an owner AuguStar still needs a copy of the death certificate to remove them.1
On an ONcore variable annuity, a surviving spouse of the owner and annuitant who is the sole primary beneficiary may continue the contract as owner and annuitant, when there is no surviving owner or the spouse is the sole surviving owner.4
State requirements Ohio National statesFlorida
- Florida
For an annuity claim, AuguStar states that Florida requires the long-form death certificate with a listed cause of death.1
What Ohio National's agreement and guidance say4
- What it does when notified
Active systematic withdrawals on an annuity stop when AuguStar is notified of the death.1
- How proceeds are paid
On an ONcore variable annuity, proceeds are paid in a single sum unless a settlement option is elected. Unless the owner designated otherwise before the annuitant's death, the beneficiary may elect Five Year Continuance, Ten Year Continuance, Beneficiary Stretch, Immediate Annuitization or Lump Sum Distribution.4
Where there are several beneficiaries and the owner selected no settlement option, all of them must agree on one, or the payout value is paid to them in proportional lump sums. Not all options may be available, depending on the contract's tax disposition, the date of death and the beneficiary's circumstances.4
AuguStar's beneficiary form states that settlement options may be limited when a trust, an estate or a minor child is the beneficiary.5
- Fees
On an ONcore variable annuity, no surrender charge is assessed on proceeds paid to a beneficiary. A spouse who continues the contract pays surrender charges only on new purchase payments.4
- Dormant and unclaimed accounts
If AuguStar cannot locate a beneficiary, it sends written notice to the last known address. If that beneficiary does not respond within 30 days, that portion of the proceeds reverts to the state as unclaimed property.1
Not in Ohio National's published guidance1
- How long a claim takes
Ohio National's AuguStar Financial Claims can be reached by phone at 1-877-446-3010, email at Claims@augustarfinancial.com, and fax at 1-513-794-4521 for questions throughout the claims process.
Sources
- augustarfinancial.com
- welcometoaugustar.com
- constellationinsurance.com
- funddocs.filepoint.com
- ohionational.com
Data sourced from Ohio National primary sources (31 pages reviewed). How we research.
Ohio National death claims support
AuguStar Financial Claims (formerly Ohio National)
Phone
Life Insurance Claims
Variable Annuity Claims
Fixed and Fixed Indexed Annuity Claims
Disability Insurance Claims
Fax
Mailing address
Website
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