Retirement Services

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Retirement Services

Local Support and Flexible Services

As you focus on growing your practice, it is important to have a strong relationship with an industry-leading provider of retirement plans and services. At the companies of OneAmerica, we provide you - and your clients - with strategically designed products and experiences with our award winning service and support.

Local Support
Our sales and service teams live and work in key markets throughout the country. These teams
understand local trends and influences affecting you, your clients and their participants, and are easily accessible to answer questions or provide guidance.

Flexible Services
We offer flexible service models, based on you and your clients' needs and preferences.
Tailored plan design and consulting are hallmarks of who we are. We pride ourselves on not simply servicing our clients, but developing long-lasting relationships. We get to know our clients so we can work together to determine the plan design and services that are right for them. We customize our client support in coordination with your preferences and service model.

Financial Professionals Express Satisfaction

In a recent survey* financial representatives expressed high overall satisfaction with the companies of OneAmerica, revealing five top areas of excellence:

Knowledgeable local office support
Timely and accurate sales desk
Responsive new business and plan design consulting services
Useful and informative marketing
Product and investment

We can help you develop your practice. Call our Retirement Services Internal Sales Desk at 1-866-313-7355.

Our Retirement Services & You

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Products
Client Service
Professional Support
Career Opportunities

Industry Focus and Product Flexibility

We offer retirement plans and services to businesses and employers in a variety of market segments and industries.

Plans Served

Because of our history and experience in the retirement industry, we have knowledge of the different types of retirement plans that are available. We have built our systems to support administrative and recordkeeping capabilities for a wide range of plans. Plans we support include:

401(k)
403(b)
457(b) Top Hat
457 Governmental
Employee Stock Ownership Plans (ESOP)
Defined Benefit (DB)
Cash Balance
Pension Risk Transfer

Our knowledgeable teams have deep understanding of the different plan types. Based on customers’ goals for their plan and participants, our teams can consult on the type – or types of plans – that will best help meet those goals.

Markets and Industry Focus

While we recognize we can’t be all things to all people, we have the experience and knowledge to effectively provide retirement plans and services to plan sponsors in small, mid-sized and large markets. We have an industry focus on plans in the tax-exempt, professional services and institutional markets.

Product Flexibility

Flexible product solutions to allow plan sponsors create a plan that fits their workforce and puts their employees on a path to a secure retirement. We have a wide range of options to design an investment lineup to your clients' And we have no proprietary requirements, period. Our options include:

Personalized managed account solutions
Custom model interface
Enhanced flexibility with self-directed brokerage account solutions
Retirement income solutions

We also keep an eye on market and industry trends, so we can meet client's needs as they evolve. Currently we are watching trends impacting Health Savings Accounts, student loan repayment options and Multiple Employer Plans.

Notes:

Registered group variable annuities, and variable life insurance products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to OneAmerica Securities, Inc., One American Square, Indianapolis, IN 46282, 1-877-285-3863. Before investing, carefully consider the fund’s investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.

Retirement plans from American United Life Insurance Company® (AUL) are funded by AUL annuity contracts. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract.

Registered group variable annuity contracts issued by AUL are distributed by OneAmerica Securities, Inc., Member FINRA , SIPC , a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL.

Relationship Strategy and Participant Outcomes

Account Services for Participants, Plan Sponsors & Administrators

Online Account Services — Plan participants can access their retirement account information online, 24/7.

Participant Service Center — Any-time access to an interactive voice response system lets participants check account balances, change personal information, review investment options and more. Participant Service Representatives provide additional assistance on weekdays from 8 a.m. to 8 p.m. ET.

Plan Design, Consulting and Regulatory Services — We assist sponsors with plan design solutions, document maintenance, testing services and help them comply with retirement plan regulations.

eSponsor^® — Plan sponsors/administrators have easy, anytime access to plan and participant information.

Enrollment Features

Automatic Features — Employers can choose to adopt automatic enrollment to enroll all eligible people using default deferral percentages and investment options. With the automatic increase feature, employers can increase contributions each year by a certain percent. Participants may make changes or choose not to participate.

Express Enrollment — A plan sponsor can take the guesswork out of retirement preparation and make investing easy by providing a default investment portfolio and a default deferral percentage (4% or greater).

Education for Employers, Plan Sponsors & Plan Participants

We offer financial education tools and resources for participants, employers and plan sponsors.

Online articles, tools and calculators — Find a variety of topics for individuals as well as businesses and employers.

Participant education — Get award-winning, multichannel communication materials <Go to One Day is Today®>

Custom communication campaigns — Appeal to employees with custom branded education materials that reinforce the company brand — available to plans over $3 million in assets.

Plan administration education — Plan sponsors stay informed about compliance updates with a monthly newsletter and better understand fiduciary responsibilities with our seminars and materials.

OneCheck™ retirement tools — Assess retirement plan health using a range of tools, including: annual plan reviews, plan level and participant GAP reports, plan sponsor monthly newsletters, ERISA support services, sponsor websites and reports.

Services and Capabilities

The companies of OneAmerica allow you to focus more on growing your practice and worry less about the details. Using eProducer^®, you can securely access business and plan participant information, compensation reports and prospecting resources.

Our services and capabilities for plan sponsors and participants include:

Regional offices — Our experienced retirement sales and service professionals provide personalized services and keep the pulse of local issues and opportunities.

OneForm^® service — Plan sponsors can provide a one-time signature authorizing us to interact directly with participants. This lets us process many administrative services on their behalf, including distributions, loans, and withdrawal requests.

OneSuite^® fiduciary and investment programs — select from prescreened or open architecture investment platforms, access fiduciary support options, enrollment services and ongoing educational support.

OneCheck^® retirement tools — Assess retirement plan health using a range of tools, including: annual plan reviews, plan level and participant GAP reports, plan sponsor monthly newsletters, ERISA support services, sponsor websites and reports.

Investment modeling services — Choose from many levels of service, including resources for creating your own customized investment models and flexible fee structures.

Participant education — Access One Day is Today^®, our award-winning, multichannel communication materials.

Custom Communication — Offer custom communication campaigns that integrate with the plan sponsor’s brand — available to plans with more than $3 million in assets.

OneAmerica Helps Meet the Needs of Our Mutual Clients

OneAmerica provides you and your clients with a boutique experience, backed with the strength and benefits of a national footprint. To learn more about how we can help you grow your practice and support you clients, contact us at 866-313-7355.

Because we engage with experienced and highly trained retirement services professionals, we have realized substantial growth over the years. We stand for service, and your organization, along with your clients, can count on it before, during and after the sale.

Become a retirement services producer for the companies of OneAmerica, and as your issuer, we will provide:

Local sales support and service
User-friendly selling tools
Flexible commission options
Variety and depth of retirement plan solutions
National resources delivered by experienced professionals
Professional enrollment assistance
Online service demos

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Notes:

* 2019 OneAmerica Financial Professional Survey conducted by LIMRA.

LIMRA is not an affiliate of the companies of OneAmerica or OneAmerica Securities and is not a OneAmerica company.

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