American United Life Insurance Review for 2021
The American United Life Insurance Company offers many different products, including term and whole life insurance. Although American United life insurance rates aren’t available online, many different factors such as your age and gender will be used to determine your costs. American United has a financial rating of A+ with A.M. Best.
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UPDATED: Mar 29, 2021
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- American United Life Insurance Company has been around for 140 years
- You can’t get quote or rate information online and must contact an advisor
- American United has an A+ rating from A.M. Best
However, rates are not available online. Before you buy American United life insurance, you will need to shop around. Compare quotes from multiple companies to find the cheapest coverage for you.
While you learn about the American United Life Insurance Company, enter your ZIP code to compare life insurance rates from top companies near you.
What products does the American United Life Insurance Company offer?
As a part of OneAmerica, American United offers many different products. These products include:
- Life insurance
- Long-term care solutions
- Workplace benefit plans
- Workplace retirement plans
The company also offers products directly to businesses, such as retirement services and life insurance.
When it comes to life insurance, American United offers both term and whole life policies. And, when it comes down to term insurance vs. whole life insurance, the main differences are the length of the policy and cash values.
Term life offers coverage for a certain period of time or term. The policy is only good for that time period and holds no monetary value. The payments and death benefit stay the same for the life of the policy. The object of the policy is to offer your family financial security.
Term life insurance is the cheapest option and is chosen mainly by younger adults that want to make sure their family is taken care of in the event of death. Term life helps cover items like a mortgage or college expenses that would be difficult for family members to pay for.
Whole life offers coverage for your lifetime, has set payments, and includes a cash value. The cash value grows throughout the policy, allowing you to borrow against it. Any amount borrowed must be paid back.
Whole life can also sometimes offer dividends. These can be spent, added to the cash value of the policy, or used to lower your rates.
Many different factors are used to determine your American United life insurance rates. Your age, gender, and medical history can all be used to calculate your specific rates.
This table gives you a basic idea of the average cost between term and whole life insurance. Rates will vary by customer and company.
|Age and Gender of the Insured||Whole Life Average Annual Rates||20-Year Term Life Average Annual Rates|
|Male, Age 30||$4,015||$228|
|Female, Age 30||$3,558||$193|
|Male, Age 40||$6,042||$341|
|Female, Age 40||$5,413||$289|
|Male, Age 50||$9,432||$842|
|Female, Age 50||$8,440||$654|
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Also, American United life insurance quotes are not available online. You must speak with one of the company’s advisors.
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What are the American United Life Insurance Company ratings?
Stability in your insurance company is very important. You want to know that you can get great rates from a company that will be around if you need them.
A.M. Best rates insurance companies based on how financially stable they are. The American United Life Insurance Company has an A+ rating from A.M. Best, meaning it has a superior ability to meet its financial obligations.
American United is accredited through the Better Business Bureau and also has an A+ rating.
What is the history of the American United Life Insurance Company?
The American United Life Insurance Company began over 140 years ago and has had many name changes. The company was known as United Mutual Life Insurance Company and then merged with American Central to become American United.
The company is now called OneAmerica and does business in most states, Washington D.C., and Puerto Rico.
The company can be reached at:
OneAmerica Financial Partners, Inc.
One American Square
P.O. Box 368
Indianapolis, IN 46206-0368
You can also call 1-800-537-6442 for customer service. While you can also email or fax questions, there is no chat feature available on the website.
Although you can’t file a claim online, there is information on the website to walk you through how to file a claim.
American United Life Insurance Company: The Bottom Line
The American United Life Insurance company has a long history and great financial ratings. However, it is hard to see just how competitive the company is in the life insurance market.
Without rates being available online, it’s difficult to determine if you can get affordable American United life insurance. Depending on your unique situation, you may be able to shop around for the cheapest life insurance rates.
Now that you’ve learned about the American United Life Insurance Company, enter your ZIP code now to compare life insurance quotes from multiple companies for free.