"Out of our many investments in people and processes, we have one goal: to serve you better"

The companies of OneAmerica^® were established 145 years ago to help families rebuild after the loss of a loved one. Our commitment to our customers hasn’t wavered since. Everything we do at OneAmerica centers on creating financial security for our members and policyholders.

Over many decades we’ve transformed how we deliver value — what will never change is our focus on relationships and providing peace of mind when customers need us most.

More than 2,500 OneAmerica associates work daily to help millions of people along the road to financial well-being. Together we’re aligned on ensuring that each relationship we build, each product or service we provide, each experience we create is meeting the unique needs of the customer — one individual at a time.

In 2022, we worked to make sure more Americans have what they need to protect their families and prepare for retirement, and our results were impressive:

• Our financial performance was excellent as we took advantage of rising interest rates and our exceptionally strong balance sheet to reduce risk and improve our financial strength well into the future.
• Sales of new business were strong despite economic and geopolitical turmoil.
• We continued to invest in people, products and better ways to meet customers’ needs — debuting a unified service approach for all areas of the company.
• As recognized innovators in diversity, equity and inclusion, we continued to listen to our highly engaged workforce and strengthen our culture. And we carried on the important work of influencing our industry and other companies, as well as the communities where we live and work.

As proud as we are of these achievements, the most important measure of our 2022 success is the $6 billion we paid to customers. That number represents thousands of times we were there when customers needed us most.

This annual report brings some of those instances to life, and I hope you’ll appreciate the stories of how we provided quality service with a personal touch.

Thank you for entrusting your financial security to OneAmerica.

J. SCOTT DAVISON, CLU, ChFC

OneAmerica Chairman, President & CEO