Ohio Department of Insurance (ODI) Compliance
Transparency for households working with Olive O under the Manna Financial Services brand.
1. State of Ohio Producer Licensing
Olive O is a licensed Ohio Life, Accident, and Health insurance producer. Ohio life, accident, and health insurance producer and member of World Financial Group Insurance Agency, LLC. Insurance education and product conversations on this site are conducted under the public brand Manna Financial Services (Manna FS Inc.). Lines of authority discussed educationally include:
- Life Insurance: Fixed life, term life, whole life, universal life, and indexed universal life contracts.
- Accident & Health Insurance: Disability income protection, critical illness, and supplemental health riders.
- Annuity Products: Fixed and fixed index annuities (subject to product and licensing eligibility).
Consumers may verify any producer's active license status and disciplinary history by contacting the Ohio Department of Insurance Consumer Hotline at (800) 686-1526 or visiting insurance.ohio.gov.
2. Educational Scope & Non-Advisory Notice
All information provided on this website, in downloadable workbooks, during community seminars, or within initial Financial Needs Analyses (FNA) is educational in nature. Manna Financial Services does not provide formal legal, tax, accounting, or registered investment advisory services.
Policy loans, withdrawals, and cash value accumulation figures shown in illustrations are projections governed by the contractual terms of the issuing insurance carriers. Consumers should consult their independent CPA, estate planning attorney, or tax professional regarding their individual legal and tax circumstances.
3. Product Guarantees & Carrier Solvency
All contractual guarantees—including contractual floor features in Indexed Universal Life (IUL) policies and lifetime income options in Fixed Index Annuities (FIA)—are backed exclusively by the claims-paying ability and financial strength of the issuing life insurance carrier. Products discussed are from established carriers with independent financial ratings (A.M. Best, Standard & Poor's, Moody's, and Fitch).
4. Telephone Consumer Protection Act (TCPA) & Privacy
We respect your privacy. In compliance with federal and Ohio TCPA guidelines, Manna Financial Services only contacts consumers who have submitted an affirmative opt-in request for a quote, consultation, or seminar reservation. We never sell, rent, or lease consumer personal information to third-party lead brokers. You may revoke contact consent at any time by replying STOP to any text message or emailing admin@manna-fs.com.