The financial landscape changes every day and your financial situation readjusts more often than you may realize. However, with information and resources from the companies of OneAmerica®, you can better understand how we can help you reach your goals.

  • Gary's Story

    Gary sustained a life-altering injury at work. Disability insurance allowed him to maintain his lifestyle and retrain.

  • Retirement Stories

    How are you planning for retirement? Wherever you are on your life's journey, OneAmerica can help you achieve your goals.

  • The Spirit of OneAmerica

    OneAmerica salutes the patriotic spirit of America and honors those who serve to protect our freedom.

Variable life and variable annuity products are two options for you when building your long-term financial strategy. Find detailed descriptions of our variable investments, including investment goals, performance history and risks, at the links below.

For a paper version of a prospectus, please call 1-877-285-3863.

American United Life Insurance Company® (AUL) Retirement Services

AUL UIT Prospectus

Collective Investment Trust Offering Documents

American United Life Insurance Company® (AUL) Life Insurance & Annuity Products

American Accumulator FPVUL

DirectPoint IVA

Flexible Premium VUL

Original Individual Variable Annuity - IVA

SelectPoint IVA

Single Premium VUL

Starpoint IVA

Voyage Protector


Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to One American Square, Indianapolis, IN 46282, 1-800-249-6269. 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.

Group annuity contracts are issued by American United Life Insurance Company® (AUL) and registered variable annuity products are distributed by OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC, One American Square, Indianapolis, IN 46282, 1-877-285-3863.

The companies of OneAmerica have a long history of financial strength, which allows us to keep our promise to clients to provide security and peace of mind.


Annual Report

Customers like you are choosing the companies of OneAmerica because our unquestioned financial strength enables us to keep our promises when you need us most.


GAAP Financial Statements

OneAmerica's financial results are reported using generally accepted accounting principles (GAAP).


Statutory Financial Statement Filings

The following documents contain financial information prepared in accordance with the National Association of Insurance Commissioners (NAIC) and filed with state insurance departments to satisfy state insurance regulations. Each of the companies of the OneAmerica has a separate filing.

Financial information prepared using generally accepted accounting principals (GAAP) is significantly different than financial information prepared in accordance with NAIC standards.

American United Life Insurance Company® (AUL)

Pioneer Mutual Life Insurance Company (PML)

The State Life Insurance Company


OneAmerica Securities, Inc.

Form ADV Part 2A

Investment Advisor Code of Ethics


Mutual Organization: More Than a Structure

At OneAmerica, "mutual" is more than a structure. It’s a philosophy and a business model that supports our promise to be there when our customers need us most.

In 2000, the companies of OneAmerica reorganized to a mutual holding company structure. As a mutual organization, our first priority is the customer, not Wall Street. Policyholders elect our board of directors; we have no external shareholders. Because we don’t have the short-term distractions of quarterly earnings calls, stock prices and the other pressures felt by public companies, our mutual structure lets us focus on providing long-term value for our customers by creating and protecting their assets.

The mutual structure supports growth by giving us the flexibility to bring other mutual insurance companies into the organization. And it lets us be more efficient in our capital structure, to support growth and financial strength over the long term.

Is OneAmerica part of a mutual insurance organization?
Yes, OneAmerica and its operating companies (including American United Life Insurance Company®, The State Life Insurance Company and Pioneer Mutual Life Insurance Company) are part of a mutual holding company group. All companies are ultimately owned by American United Mutual Insurance Holding Company (AUMIHC).
When I look up OneAmerica, AUL, State Life and Pioneer, it says they are stock companies. How can you be a mutual organization when you have stock companies?
These stock companies are ultimately owned by the mutual holding company parent, American United Mutual Insurance Holding Company (AUMIHC). There are no external shareholders. AUMIHC owns all of the stock of OneAmerica, and OneAmerica owns all of the stock of AUL, State Life and Pioneer.

When a customer purchases a policy at AUL, State Life or Pioneer, they become a member of the holding company (AUMIHC) and gain certain rights, including the right to vote for the AUMIHC board of directors. Being a family of companies ultimately controlled by its policyholders makes OneAmerica® a mutual organization.

Who controls OneAmerica and its operating companies?
Policyholders. Eligible policyholders of our insurance subsidiaries elect the board of directors of the holding company that ultimately provides the direction and guidance to the enterprise.
Are there outside shareholders who influence or control OneAmerica and its companies?
No. There are no external shareholders.
Does OneAmerica plan to issue stock to external shareholders or "go public?"
We plan to remain a mutual organization and to continue to manage the company for the benefit of our policyholders rather than for the benefit of external shareholders.
Why did the company convert to a mutual holding company structure?
The mutual holding company structure lets us add other like-minded mutual companies to the structure. Policyholders benefit from the increased scale, financial strength and resources of the combined organization. And the holding company structure lets us manage capital more efficiently and effectively.
Why is mutuality so important?
As a financial services organization, we make long-term promises. Benefits often don’t come due for 20 or 30 years, and a lot can happen in that time frame. So a long-term view is vital. We believe mutuality is a superior form of ownership because it supports long-term thinking. And our performance during the recent downturn is a testament to our financial strength and conservative risk management over the long term.
Is OneAmerica a mutual or stock company?
We are organized as a mutual holding company. Our operating subsidiaries are stock companies ultimately owned by a mutual holding company parent. Policyholders, not public shareholders, guide all aspects of our operation through the board of directors they elect.

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