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Financial Strength & Solid Ratings

Financials & Ratings

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Stewardship Through Financial Strength

The companies of OneAmerica® keep their promises to insurance and financial services customers by maintaining financial strength. We put your long-term financial security ahead of our short-term profits, demonstrating two of our guiding values: integrity and stewardship.

OneAmerica thrives throughout challenging economic times, and we continually outperform peers by responsibly managing our investments. For nearly 140 years, millions of Americans have trusted us to deliver on our promises. Our financial strength proves we will fulfill our commitment to you, too.

View our most recent consolidated financial documents based on generally accepted accounting principles (GAAP).

Integrity Backed by Insurance Company Ratings

We have received favorable recognition for our overall strength from A.M. Best, and Standard & Poor’s, the industry's leading credit rating agencies. These agencies provide independent, third-party evaluations of the financial strength and claims paying ability of the companies of OneAmerica. Ratings are under continuous review and subject to change and/or re-affirmation.

OneAmerica Among Top-Rated U.S. Life Insurance Groups
  

  •  Life groups/unaffiliated companies rated A+ (A.M. Best) and AA- (S&P) or higher (30)
  •  Total life groups/unaffiliated companies (excluding those rated A+ (A.M. Best) and AA- (S&P) or higher) (352)
  • *Calculated by OneAmerica based on data provided by SNL Financial.
  • **As of 9/13/2016

“OneAmerica has a strong competitive position supported by its leading market position in its niche Care Solution line, very strong growth in RS (Retirement Services), and high retention rates. Overall sales grew 27% in 2015, driven by growth in all three of its operating segments.”

— (Standard & Poor’s, Aug. 30, 2016 Report)

A.M. Best rates OneAmerica A+ (Superior) — stable outlook

Policyholders refer to A.M. Best's ratings and analysis to assess the financial strength and creditworthiness of insurance organizations. A.M. Best Co. affirmed the A+ (Superior) financial strength rating for the following OneAmerica companies: American United Life Insurance Company® (AUL) and its affiliates: The State Life Insurance Company® and Pioneer Mutual Life Insurance Company® . An A+ (Superior) rating is the second highest of 16 possible ratings, and it reflects the strengths of OneAmerica companies, including:

  • Consistency
  • Diversification
  • Risk management
  • Growth
  • Performance
  • Capital position
  • Retention

Read more in our July 29, 2016, news release.

Standard & Poor's rates OneAmerica AA- stable outlook

Investors who want to make informed decisions turn to Standard & Poor's (S&P) for market intelligence, including credit ratings, indices, investment research and risk evaluations. Aug. 30, 2016, news release affirmed its fourth highest of 22 possible ratings, AA-, for the OneAmerica life insurance operating companies, American United Life Insurance Company® (AUL) and The State Life Insurance Company®. S&P maintained its stable outlook and cited several strengths of OneAmerica:

  • Strong competitive position, supported by leading market position in niche Care Solutions (combo product) business. The mutual company holds No. 1 position in annuity-based long-term care (LTC) and No. 2 in life-based LTC market.
  • Very strong growth, especially in Retirement Services (RS) line of business
  • Extremely strong capital, demonstrated by ‘AAA’ redundancy
  • Extremely strong financial risk profile, underpinned by extremely strong capital adequacy, an intermediate risk position, and adequate financial flexibility

Additionally, S&P maintained the OneAmerica enterprise risk management (ERM) score of “strong," reflecting their positive view of its risk-management culture, risk controls, and strategic risk management." The strong rating maintains OneAmerica as one of only 11 life and health insurers that have an ERM score of "strong" or better. 

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Notes:

These ratings reflect rating agency assessments of the financial strength and claims-paying ability of the companies of OneAmerica. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Ratings are assessed annually and can be changed at any time.

OneAmerica companies include American United Life Insurance Company and its affiliates The State Life Insurance Company and Pioneer Mutual Life Insurance Company. A+ is the second highest of A.M. Best’s 16 rating categories and AA- is the fourth highest of Standard and Poor’s 22 rating categories.

Registered group variable annuities issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL.

AUL is licensed and authorized to conduct life insurance business in every state of the United States except New York (NAIC #60895).

State Life is licensed and authorized to conduct life insurance business in every state except New York (NAIC #69116).

Asset-Care (policy form # series L301, SA31 and R501); Annuity Care (policy form # series SA 34 and R508); Immediate Care (policy form # series SA33); Legacy Care (policy form # series SA32, R502 and R503) products and/or riders may not be available in all states. Guarantees are subject to the claims-paying ability of State Life.

PML is licensed and authorized to conduct life insurance business in every state except Alaska and New York (NAIC #67911).

1. OneAmerica Financial Partners is a stock insurance holding company, not a licensed insurance company.

2. AUL, State Life and PML are stock subsidiaries of American Mutual Insurance Holding Company.

 

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