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Retirement Services

Retirement Services

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Local Access to Flexible Services

Winning relationships are one of your greatest assets. Your adaptability and flexibility helps you win and retain clients. Equally important is your relationship with an industry leading provider of retirement plans and services. At the companies of OneAmerica®, we want you — and your clients — to have access to our strategically designed products and experience our award-winning service and support.

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:

  • Strategically tailored product offerings
  • Timely and accurate sales desk support
  • Responsive plan design consulting services
  • Useful and informative sponsor marketing materials
  • Knowledgeable local office support

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

Our Retirement Services & You

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A Wide Range of Products Are Tailored to a Variety of Industries

We offer retirement plans and services to businesses and employers of all shapes and sizes. Keep reading for information on how we can help your clients, or see more about how we appeal to various industries on our products and services pages.

401(k) Plans — Employers can offer a way for employees to reduce income taxes and set aside money for retirement.

403(b) Tax-Deferred Annuity (TDA) Plans — Available to charitable, educational or scientific organization that qualify as 501(c)(3) organizations. Employees can prepare for retirement, while benefiting from tax-deferred contributions.

408 Individual Retirement Account (IRA) — An employee who transfers an account to our 408 IRA pays no processing fee and can choose from forty-five investment options.

457 Deferred Compensation Plans (DCP) — Available to state or local governments and tax-exempt organizations, this plan allows for potential growth of a participant’s retirement  account,  while reducing current federal and state income tax. More than 120 investment options are available through our retirement offerings.

Roth 401(k) & 403(b) Feature — with this plan feature, participants can elect to make Roth contributions using after-tax dollars. Qualified distributions are tax-free, making this attractive to participants who expect to be in a higher tax bracket at retirement.

Employee Stock Ownership Plans (ESOP) — Corporate sponsorship of an ESOP makes employees beneficial owners of the Trust.

Defined Benefit (DB) Plans — Employees are ensured a certain amount in retirement income, based on factors such as salary, age, and years of service with the company sponsoring the plan.

 

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., 433 N. Capitol Ave., Indianapolis, IN 46204, 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, 433 N. Capitol Ave., Indianapolis, IN 46204, (877) 285-3863, which is a wholly owned subsidiary of AUL.

This Is What Award-Winning Services & Support Looks Like

Account Services for Participants, Employers, 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.

Leave the Administrative Details to OneAmerica

The companies of OneAmerica allow you to focus more on growing your business and worry less about the details when you trust a proven retirement services leader. Develop a relationship with a company rooted in strength, stability, credibility and financial security.

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.

eProducer® — Securely access business and plan participant information as well as commission reports and online sales support material — available 24 hours a day, seven days a week.

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 Need for Full-Service Plan Providers

We combine full-service support, bundled retirement plan products and flexible pricing to meet the ever increasing need for quality, full-service retirement plan providers. Find out more about becoming a financial professional for our retirement services products by contacting our internal sales desk at 1-866-313-7355.

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:

* From a 2012 Advisor Survey conducted by LIMRA. The survey was conducted online from 4/5/12-6/6/12. Invitations were sent to 3,957 retirement professionals, and 386 responses were received. Contact us for a complete report.

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

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