CNO Financial Group, Inc. (NYSE: CNO) is a leading American financial services holding company headquartered in Carmel, Indiana. The company designs, markets and administers life insurance, supplemental health insurance, annuities and retirement solutions for middle‐income and underserved markets. Through its three principal businesses—Bankers Life, Washington National and Colonial Penn—CNO focuses on helping individuals and families secure financial protection and income in retirement.
Bankers Life offers life insurance and annuity products, long‐term care insurance and Medicare supplement policies designed for pre‐retirees and retirees nationwide. Washington National specializes in supplemental health insurance products such as accident, hospital indemnity and critical illness coverage, serving policyholders primarily in the United States. Colonial Penn, known for its direct‐response marketing approach, provides guaranteed acceptance life insurance, final expense solutions and term life products to a broad demographic, with a special emphasis on senior consumers.
CNO distributes its products through a diversified network of independent agents, registered representatives and direct marketing channels. Independent agents play a central role, offering personalized guidance to clients on product selection and planning. The company leverages a mix of traditional field sales, telemarketing, digital platforms and affinity partnerships to reach customers across all 50 states, with particular concentration in the Midwest, South and Sun Belt regions.
Founded in 1979 as Constitution National Life Insurance Company, the organization underwent a series of transformations, including its 1998 acquisition by Conseco, Inc. and subsequent rebranding as CNO Financial Group in 2010. Today, CNO is led by President and Chief Executive Officer Gary C. Bhojwani, under whose leadership the company has emphasized operational efficiency, customer service enhancement and strategic growth in its core segments. The board of directors and senior management continue to guide CNO’s mission to deliver dependable protection and retirement income solutions to millions of Americans.
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