Individual Variable Annuities
Voyage Protector Individual Variable Annuity
Issued and underwritten by American United Life Insurance Company® (AUL)
A Voyage Protector variable annuity can be an important part in your clients addressing their overall long-term financial goals. The core contract includes a standard death benefit and long-term care facility and terminal illness waiver. Plus, during the withdrawal charge period, clients may withdraw up to 12 percent of the paid premiums not previously withdrawn. With Voyage Protector, clients can select from more than 50 investment options and attach optional riders to help address their individual financial needs. Policy form # IVA2007 may not be available in all states.
StarPoint Individual Variable Annuity
Issued and underwritten by American United Life Insurance Company® (AUL)
A StarPoint variable annuity is a flexible contract that allows clients to select a variety of benefits and features. Starting with a base contract that includes a standard death benefit, long-term care facility and terminal illness waiver plus access to 12 percent of the account value each year, clients can add any of a host of optional benefits and features. This, plus more than 50 investment options, can help clients customize an annuity to address their specific circumstances. Policy form # IVA2002 is available in Delaware and New Hampshire.
One401k
Issued and underwritten by American United Life Insurance Company® (AUL)
Designed exclusively for small businesses, One401k allows individual participants to benefit from the advantages of a traditional 401k plan without the reporting and administration demands of a traditional plan. With a customizable variable annuity in which to invest assets and full-service third-party administration, One401k offers a funding vehicle for retirement savings and plan administration services all in one package. Policy form # IVA-2002 and policy form # FPIVA99 may not be available in all states.
DirectPoint Individual Variable Annuity
Issued and underwritten by American United Life Insurance Company® (AUL)
DirectPoint is a variable annuity with two different contracts that can help your clients tailor an annuity to address their specific needs. DirectPoint can provide a variety of benefits, including an annuitization guarantee, and offers more than 50 investment options to match your client’s personal tolerance for risk and time horizons. Combine all that with DirectPoint’s no withdrawal charge feature, and your clients have flexibility to address their financial goals. Policy form # FPIVA99 may not be available in all states.
Note: The One401k plan is funded by investing in an individual variable annuity contract issued by AUL.
Variable annuity contracts issued by American United Life Insurance Company® (AUL) are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a wholly owned subsidiary of AUL. Both are located at One American Square, Indianapolis, IN 46282, (317) 285-1877. For a current prospectus that contains more complete information, including all charges, expenses, risks and limitations, please call or write us. Please read the prospectus carefully before investing or sending money. Certain products and/or investment options may not be available in all states. Certain contracts' features may differ depending on the state regulations under which the contract is governed.
AUL qualified plans are funded with group variable annuity contracts. While a contract owner may benefit from tax deferral under a qualified plan without the use of a group variable annuity contract, group variable annuities may provide additional investment flexibility and annuity-related benefits to contract owners and participants.
The investment return and principal value of the variable investment options will fluctuate so that the value of the investor's unit when redeemed may be worth more or less than its original cost. Investment return is not guaranteed and subject to market risk.
Dollar cost averaging does not ensure a profit and does not protect against loss in declining markets. Investors should consider their financial ability to continue investing in declining markets when the value of their investments may also be declining.
Withdrawals are subject to ordinary income tax and may incur a withdrawal charge. In addition, withdrawals made prior to age 59-1/2 may be subject to a 10 percent IRS tax penalty.
The death benefit guarantee is based on the claim-paying ability of American United Life Insurance Company®.
Variable annuities are not deposits or other obligations and are not guaranteed by any bank or credit union and are not insured by the Federal Deposit Insurance Corporate (FDIC), the National Credit Union Association (NCUA) or any other federal entity. Variable annuities may lose value and are subject to investment risk, including the possible loss of the principal amount invested.
