Business Life Insurance

Business Life Insurance

Use Life Insurance & Annuities to Meet Business Needs

The companies of OneAmerica® can structure life insurance policies and annuities to meet specific business needs. Use these life insurance strategies to protect your business from the sudden loss of a key employee or to help retain top talent with financial rewards and incentives.

  • Establish Key Person Protection — As a business, you can purchase life insurance that provides the company with tax-free dollars to help replace or otherwise recover from the loss of an employee who has special skills or provides significant contributions.
  • Defer Compensation — Avoid the restrictions of qualified retirement plans so you can motivate and reward top talent. A non-qualified deferred compensation plan sets aside some of an employee’s taxable income until retirement.
  • Build Retirement Income — Use a flexible retirement vehicle, such as a Simplified Employee Pension (SEP) or any other retirement plan structure, that features minimal administrative requirements and tax advantages.
  • Protect the Future — When your business funds a buy-sell agreement with sufficient life insurance, it won’t have an adverse impact on working capital or the credit position of the business.

Talk to Your Financial Professional

A financial professional can help you and your business with particular applications of life insurance and annuities. Learn how they may fit into your business’s overall financial strategy or your personal retirement preparations.

In addition to supporting your financial professional, we have kept promises to customers like you for more than a century. Our guiding values motivate us to put your long-term financial security ahead of our short-term profits.



Life insurance has fees and charges that include costs of insurance which vary based on gender, health, and age, and has additional charges for riders. Life insurance is medically underwritten. Not available in all states or may vary by state. Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice.


Service Starts Here

Have a question? Like more information?

Contact us for assistance

Find a financial professional

Planning Is Important

Develop, manage, enjoy and pass on your wealth.

Learn how to get this done

Check in, Check up

Actively engage with your policies, plans and strategies.

Log in to manage your accounts