CNO Financial Group provides life and health insurance, annuities, and workforce benefits solutions to middle-income Americans. The company operates through a portfolio of established brands including Bankers Life, Washington National, Colonial Penn, and Optavise, serving millions of customers across more than 220 communities in the United States. Headquartered in Carmel, Indiana, CNO is publicly listed on the New York Stock Exchange.
The company operates through a dual distribution model: approximately 3,300 full-time associates and roughly 12,000 exclusive and independent partner agents. This structure allows CNO to reach customers through both direct employment and network partnerships. The primary insurance subsidiaries maintain an A (Excellent) rating from AM Best, and the company holds investment-grade ratings from all major credit agencies including Moody's, Fitch, and S&P.
CNO's product portfolio addresses core financial protection needs across three main areas: life and health insurance products designed to protect customers' wellbeing, annuities that support retirement income requirements, and workforce benefits solutions offered to employers. These offerings reflect the company's focus on helping customers manage health, income, and retirement security across different life stages.
