Steady and dependable. Just like you.

Our whole life insurance products are issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica Financial℠ company.

There’s a reason whole life insurance has been around for decades. It offers a reliable, straightforward way to protect the people you love. On top of that, it provides guaranteed growth — serving as an asset you can borrow against.

Today, people still buy whole life policies as stand-alone products. But, more and more, they use whole life as a foundation to build on, adding riders for long-term care and other needs. Whichever path you choose, we’re here to help.

How it works

Starting a whole life policy is a fairly straightforward process, and your financial professional will walk you through the details. But, generally speaking, here’s what you should know:

You’ll receive a “level premium,” meaning your premium will remain unchanged for the life of the policy.
During the life of the policy, your death benefit won’t decrease.
Your policy will grow in value at a guaranteed rate, and you can borrow against it if you choose.

Why it's popular

Whole life could be right for you because:

You can customize your policy with an array of optional riders in order to meet your needs.
We offer whole life options to accommodate a wide range of budgets.
Whole life policies aren’t subject to the ups and downs of the stock market.

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What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products 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. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

Where to start

Learn more about whole life insurance —and other insurance options —by talking to your financial professional.

Find a Financial Professional

You can also use our Economic Life Value Calculator to determine what amount of coverage is right for you.

OneAmerica Financial is the marketing name for the companies of OneAmerica Financial. Products issued and underwritten by American United Life Insurance Company^® (AUL), Indianapolis, IN, a OneAmerica Financial company.

Whole Life 95, Whole Life 121 and Whole Life Select form numbers: L-60 and L-60SP. Not available in all states or may vary by state. Guarantees are subject to the claims-paying ability of AUL. Life insurance should be purchased by individuals that have a need to provide a death benefit to protect others with insurable interests in their lives against financial loss. Life insurance is not a retirement plan, investment, or savings account. Withdrawals and loans from a life insurance policy reduce the death benefit and cash value, may increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Whole life insurance