Financial Strength & Solid Ratings

Financials & Ratings

Stewardship Through Financial Strength

The companies of OneAmerica® keep their promises to insurance and financial services customers by maintaining financial strength. We put your long-term financial security ahead of our short-term profits, demonstrating two of our guiding values: integrity and stewardship.

OneAmerica thrives throughout challenging economic times, and we continually outperform peers by responsibly managing our investments. For more than 140 years, millions of Americans have trusted us to deliver on our promises. Our financial strength proves we will fulfill our commitment to you, too.

View our most recent consolidated financial documents based on generally accepted accounting principles (GAAP).

Integrity Backed by Insurance Company Ratings

We have received favorable recognition for our overall strength from A.M. Best, and S&P Global Ratings, the industry's leading credit rating agencies. These agencies provide independent, third-party evaluations of the financial strength and claims paying ability of the companies of OneAmerica. Ratings are under continuous review and subject to change and/or re-affirmation.

A.M. Best rates OneAmerica A+ (Superior) — stable outlook

Policyholders refer to A.M. Best's ratings and analysis to assess the financial strength and creditworthiness of insurance organizations. On August 31, 2023, A.M. Best affirmed the A+ (Superior) financial strength rating for the following OneAmerica companies: American United Life Insurance Company® (AUL) and its affiliate: The State Life Insurance Company®. An A+ (Superior) rating is the second highest of 15 possible ratings.


S&P Global Ratings affirms OneAmerica AA- — stable outlook

Investors who want to make informed decisions turn to S&P Global Ratings (S&P) for market intelligence, including credit ratings, indices, investment research and risk evaluations. On August 23, 2023, S&P affirmed its fourth highest of 22 possible ratings, AA-, for the OneAmerica life insurance companies, American United Life Insurance Company® (AUL) and The State Life Insurance Company®. S&P maintained its stable outlook.




These ratings reflect rating agency assessments of the financial strength and claims-paying ability of the companies of OneAmerica. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Ratings are assessed annually and can be changed at any time.

OneAmerica companies include American United Life Insurance Company® and its affiliates The State Life Insurance Company®. A+ is the second highest of A.M. Best’s 15 rating categories and AA- is the fourth highest of Standard and Poor’s 22 rating categories.

Group annuity contracts are issued by 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.

AUL is licensed and authorized to conduct life insurance business in every state of the United States except New York (NAIC #60895).

State Life is licensed and authorized to conduct life insurance business in every state except New York (NAIC #69116).

Asset-Care (policy form # series L301, SA31 and R501); Annuity Care (policy form # series SA 34 and R508); Immediate Care (policy form # series SA33); Legacy Care (policy form # series SA32, R502 and R503) products and/or riders may not be available in all states. Guarantees are subject to the claims-paying ability of State Life.

PML is licensed and authorized to conduct life insurance business in every state except Alaska and New York (NAIC #67911).

1. OneAmerica Financial Partners is a stock insurance holding company, not a licensed insurance company.

2. AUL, State Life and PML are stock subsidiaries of American United Mutual Insurance Holding Company.



Service Starts Here

Have a question? Like more information?

Contact us for assistance

Find a financial professional

OneAmerica in the News

From industry thought leadership to award-winning service

Catch up with OneAmerica today

Annual Report

Building connections, futures, relationships and communities. OneAmerica is building for your tomorrow.

View the annual report