CNO Financial Group is an insurance holding company that serves middle-income pre-retirees and retired Americans through three primary brands—Bankers Life, Washington National, and Colonial Penn—offering annuities, health insurance, individual life insurance, and related financial services products. The company operates a Consumer Division serving individual customers through exclusive agents, independent producers, and direct marketing channels, as well as a Worksite Division selling voluntary benefits at employers. CNO generates revenue from fixed indexed and fixed interest annuities, supplemental health and Medicare supplement policies, long-term care coverage, and interest-sensitive and traditional life insurance products, competing against larger players like Northwestern Mutual, Mutual of Omaha, AFLAC, and MetLife while holding significant market positions in long-term care and Medicare supplement insurance.