CNO At-a-Glance

Who We Are

About CNO

We secure the future of middle-income America. CNO provides life and health insurance, annuities, financial services, and workforce benefits solutions through our family of brands. Our customers work hard to save for the future, and we help protect their health, income and retirement needs.

By the numbers in 2022

3.2 million

We help protect the health, income and retirement needs of our customers with 3.2 million policies.

$2 billion

We paid $2 billion in claims to policyholders.

$33 billion

We have $33 billion in total assets.

3,400

We employ approximately 3,400 full-time associates.

$3.1 billion

We returned $3.1 billion to shareholders over the past 10 years.

8,300

We contract with approximately 4,300 exclusive insurance agents and 4,000 independent partner agents nationwide.

Our mission

To secure the future of middle-income America by providing insurance and financial services that help protect their health, income and retirement needs, while building enduring value for all our stakeholders.

Our values

Diversity, equity & inclusion

We embrace diversity, actively pursue equity and foster an inclusive environment.

Integrity

We're honest and ethical, operating within the letter and spirit of the law.

Customer focus

We care deeply about our customers' financial well-being. We work together to meet their needs and deliver on our promises.

Excellence

We strive for excellence in our products, services and business processes. We are passionate about winning in the marketplace.

Teamwork

We work—and win—as a team, exemplifying commitment, participation and collaboration.

NYSE listed

CNO Financial Group, Inc. is a publicly traded company under the ticker CNO on the New York Stock Exchange (NYSE).

Financial ratings

CNO is rated as investment grade by all four leading ratings agencies—AM Best, Moody’s, Fitch and S&P.

OUR FINANCIAL RATINGS

Awards and recognition

Each year, CNO is recognized for our corporate initiatives and charitable endeavors. This would not be possible without the support of our associates, customers and the communities in which we live, work and serve.

VIEW ALL AWARDS

Sustainability

At CNO, we’re doing our part to serve as a force of change in our community. Our commitment to sustainability and environmental, social and governance (ESG) principles is central to our overall business strategy. We are a proud signatory of the United Nations Principles for Responsible Investment (PRI).

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What We Do

For individuals

Now more than ever, middle-income Americans need health, income and retirement solutions. We work with millions of customers each year to offer solutions that meet their needs today and for the life of their retirement.

How we can help:

Building holistic health and financial security plans before retirement
Creating an income stream in retirement
Navigating retirement healthcare

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For businesses

We offer integrated voluntary benefits, benefits administration technology, and benefits education services to businesses, employer groups, associations, and their benefits brokers.

How we can help:

Helping businesses enhance their year-round benefits programs
Offering employers voluntary benefits for employees
Providing industry-leading benefits enrollment technology
Helping employees make better healthcare decisions

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What our customers are saying

“We’ve been able to enhance our employees’ benefits understanding, allowing them to make the appropriate plan choices based on their family’s needs. This individualized approach has reduced cost and administrative resources.”

"If I hadn't had the insurance policy and the agent's help to fall back on, I don't know what we would have done."

"After one meeting with Ryan, he saved me $400 a year, with better coverage than I was previously getting. ... I plan to work very closely with Ryan as the months and years roll by."

Center for a Secure Retirement

Working and saving for a fulfilling retirement takes a team. At the Center for a Secure Retirement, we’re providing articles, research insights and comprehensive resources for anyone seeking guidance on planning for a secure retirement. Our retirement insights have been featured in publications such as The Wall Street Journal, Forbes and USA Today.

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Our Family of Brands

Bankers Life

Bankers Life offers life and health insurance products, annuities and investments that are designed for Americans who are near or in retirement.

Colonial Penn

Colonial Penn makes buying insurance simple with easy-to-understand, affordable insurance products designed for middle-income retirees.

Washington National

Washington National is a leading provider of supplemental health and life insurance for middle-income Americans in the worksite and individual markets.

Optavise

Optavise is a one-stop-shop for employee benefits programs, offering a combination of products, technology, and expert guidance—all from one company.

PMA USA

PMA USA is a group of extraordinarily successful agents across the nation who bring decades of excellence in marketing, sales and customer service to the voluntary benefits business.

myHealthPolicy.com

myHealthPolicy.com is an online insurance marketplace focused on helping consumers learn about and enroll in health plans such as Medicare Advantage, Medicare Supplement insurance and Prescription Drug plans.

40|86 Advisors

40|86 manages the investment portfolios of CNO's insurance subsidiaries. It specializes in fixed-income portfolio management. As of March 31, 2022, it managed over $35 billion in total assets.

Our Products

Life and health insurance

We help our customers protect their health and financial security with a wide range of life insurance, Medicare Supplement insurance, Medicare Advantage plans, supplemental health insurance and long-term care insurance.

Annuities

Our portfolio includes fixed interest, fixed indexed and immediate annuities tailored for the retirement income needs of middle-income consumers.

Financial services

Through our wealth management solutions, we offer a variety of investment options, whether a client's goal is retirement, buying a home, or passing a legacy on to loved ones.

Workforce benefits solutions

As a comprehensive provider of year-round workforce solutions, we offer integrated voluntary insurance products, benefits administration technology, and benefits education services for businesses and their benefits brokers.

Working at CNO

Our associates

Our approximately 3,400 full-time associates are our primary and most valuable resource. CNO associates develop products, advise clients, service customers and efficiently manage our organization. We are proud to offer a workplace that encourages diversity, fosters collaboration, values integrity and promotes equitable professional growth.

Our agents

Our 4,300 exclusive insurance agents and 4,000 independent agents are part of the communities we serve. We take the time to get to know our customers and build lasting relationships, meeting with them across the kitchen table and through virtual consultations.

Our locations

We have offices in more than 230 communities in the U.S., including our headquarters in Carmel, Indiana, and corporate offices in Birmingham, Chicago, Philadelphia, Orlando and Milwaukee.

What our team is saying

CNO is proud to be certified as a Great Place to Work® for the third year in a row. The award is based entirely on what current CNO associates said in the 2022 Great Place to Work® Survey about their experience working at the company.

87%

Associates who say CNO is a great place to work

92%

Associates who say when you join the company, you are made to feel welcome

Our benefits

CNO was ranked in the Healthiest 100 Workplaces in America® for providing one of the best workforce health and employee well-being programs in the nation. Our benefits package for associates includes:

Medical, dental and vision insurance coverage
401(k) plan with company match
Employee stock purchase plan
Pay-for-performance bonus plan
Award-winning employee well-being program

JOIN OUR TEAM

Diversity, Equity & Inclusion

Our DE&I commitment

Recruitment and selection. Hire, develop and retain diverse talent that reflects the markets we serve.
Education and awareness. Affirm equality for all individuals and commit to creating an environment of mutual acceptance, understanding and respect.
Associate development. Cultivate an inclusive culture that leverages the diverse skills, ideas and full capabilities of all associates.

Our partnerships

Building an inclusive, representative workforce is our priority. CNO is a signatory of the CEO Action for Diversity & Inclusion™ pledge and the Indy Racial Equity pledge, and a supporter of CEO Action for Racial Equity.

Business resource groups

Our associate-led Business Resource Groups (BRGs) build a strong, inclusive community at CNO and provide a safe space for discussion, education, idea sharing, and personal and professional development.

PRISM LGTBQ+ BRG
Smart Organized United Leaders (S.O.U.L.) African American/Black BRG
Veterans and Families BRG
Women's BRG
L.U.N.A. Latinos Unidos Network for Advancement BRG
Caregivers and Careers Affinity Group
Women of Color Affinity Group
Women's Leadership & Networking Affinity Group

In the Community

Giving back

At CNO, we’re invested in giving back to organizations that support the health and financial wellness of middle-income Americans and help build stronger communities where we live and work.

Our community impact in 2022

$2.6 million

Total community impact value in 2022

10,500

Volunteer hours in 2022

Community partnerships

We are proud of our corporate philanthropy partnerships with the Alzheimer's Association®, American Heart Association®, American Cancer Society® and the African American Alliance of CDFI CEOs (The Alliance).

Team CNO volunteers

Our associate volunteer program, Team CNO, has provided opportunities for associate community engagement for 21 years. In 2022, the value of all our philanthropic efforts was more than $2.6 million in total community impact and our associates volunteered more than 10,500 hours to community service.

CNO Invested in Giving Back ®

Through the CNO Invested in Giving Back® program, associates nominate and vote for community programs to receive charitable donations from the company. In 2021, CNO donated $200,000 to charities selected by our associates.

CNO Financial Indianapolis Monumental Marathon

CNO is the proud sponsor of the CNO Financial Indianapolis Monumental Marathon. A top 15 national marathon, the event attracts participants and fans from across the U.S. Our partnership is just one way CNO demonstrates our corporate commitment to health, wellness, and the central Indiana community.