American United Life Insurance Company, a distinguished provider of financial security, has proudly served individuals and families for over a century. Our unwavering commitment to innovation and customer-centricity has solidified our position as a leading force in the life insurance industry. With a deep understanding of the evolving needs of policyholders, we have tailored our offerings to provide comprehensive protection and peace of mind.
Since its inception, American United Life Insurance Company has consistently set the benchmark for excellence. Our financial stability, backed by a robust capital position, ensures that our policyholders can rely on us to fulfill our obligations, even during challenging economic conditions. Our unwavering focus on customer satisfaction is evident in our exceptional service standards, where we prioritize prompt responses, clear communication, and personalized support. Moreover, our commitment to community involvement reflects our belief in the power of giving back and creating a positive impact on society.
As we embark on a new chapter in our journey, American United Life Insurance Company remains steadfast in its mission to provide unparalleled financial protection and security. We constantly explore innovative solutions to meet the evolving needs of our policyholders. Our unwavering commitment to ethical practices, transparency, and customer advocacy sets us apart in the industry. Our dedicated team of professionals is driven by a passion for helping individuals and families achieve their financial goals and secure their futures.
American United Life Insurance Company: An Overview
History and Philosophy
American United Life Insurance Company (AUL) was founded in 1877 as the Independent Order of Foresters. It began as a fraternal benefit society, providing financial protection to its members and their families. Over the years, AUL evolved into a modern life insurance company while maintaining its core values of fraternalism and financial security.
AUL is guided by its principles of member protection, financial stability, and community involvement. The company believes in providing affordable, reliable insurance products to individuals and families, supporting financial well-being, and making a positive impact on the communities it serves.
Mission Statement
American United Life Insurance Company’s mission statement succinctly articulates its purpose and values:
“To be a trusted provider of quality life insurance products and services that meet the needs of our members and their families while promoting financial well-being and community involvement.”
Core Values
AUL embraces a set of core values that define its culture and guide its operations:
- Member Centricity: AUL prioritizes the needs of its members, ensuring their financial protection and well-being.
- Financial Stability: The company maintains a strong financial foundation to honor its commitments and provide reliable coverage.
- Innovation: AUL embraces new technologies and approaches to meet the evolving needs of its members.
- Integrity: The company operates with honesty, transparency, and ethical conduct.
- Community Involvement: AUL actively supports its local communities through charitable endeavors and volunteerism.
Products and Services
AUL offers a comprehensive range of life insurance products to cater to the diverse needs of its members:
| Product Type | Description |
|---|---|
| Whole Life Insurance | Provides lifelong protection with guaranteed cash value growth. |
| Term Life Insurance | Offers affordable, temporary coverage for a specific period. |
| Universal Life Insurance | Provides flexible coverage with adjustable premiums and cash value accumulation. |
| Variable Universal Life Insurance | Combines the benefits of a universal life policy with investment options. |
| Final Expense Insurance | Covers end-of-life expenses to relieve financial burdens on loved ones. |
In addition to life insurance, AUL also offers supplemental products such as disability income insurance, critical illness insurance, and long-term care insurance.
The History of American United Life Insurance Company
Inception and Early Years
American United Life Insurance Company (AUL) traces its roots back to 1877, when it was founded as the Farmers Mutual Benefit Association in Indianapolis, Indiana. The company’s mission was to provide affordable life insurance to farmers and their families. In 1899, the association reorganized and adopted the name American United Life Insurance Company.
Expansion and Growth in the 20th Century
Over the next several decades, AUL experienced steady growth, expanding its operations beyond Indiana and into neighboring states. In the early 20th century, the company began to offer a wider range of products, including annuities, health insurance, and disability coverage.
In 1923, AUL opened its first branch office outside of Indiana, in Chicago, Illinois. This marked a significant expansion for the company and laid the groundwork for its future national presence. By the mid-20th century, AUL had become one of the largest life insurance companies in the United States.
Key Milestones: Expansion and Innovation
Here’s a table summarizing key milestones in AUL’s expansion and innovation efforts during the 20th century:
| Year | Milestone |
|---|---|
| 1923 | Opened first branch office outside of Indiana, in Chicago, Illinois |
| 1930s | Began offering annuities, health insurance, and disability coverage |
| 1940s | Became one of the largest life insurance companies in the United States |
| 1950s | Expanded operations into new states, including California and Florida |
| 1960s | Introduced variable annuities and mutual funds to its product portfolio |
| 1970s | Launched a national advertising campaign featuring the slogan “American United. Life Insurance Worth Living For.” |
Recent Developments and Future Outlook
In recent years, AUL has continued to grow and evolve. The company has made significant investments in technology and innovation, and it now offers a wide range of financial products and services. AUL also has a strong focus on customer service, and it has been recognized as a leader in the industry for its high levels of satisfaction.
As AUL looks towards the future, it plans to continue to expand its product offerings and enhance its customer experience. The company is committed to being a leading provider of financial security for individuals and families throughout the United States.
American United Life Insurance Company’s Financial Strength
A.M. Best Rating
A.M. Best is a leading global credit rating agency that assesses the financial strength and creditworthiness of insurance companies. American United Life Insurance Company has consistently received a Financial Strength Rating of “A” (Excellent) from A.M. Best, demonstrating its strong financial position and ability to meet its insurance obligations. This rating indicates that the company has the financial resources and underwriting practices necessary to provide stable and reliable insurance products to its policyholders.
S&P Global Ratings
S&P Global Ratings is another renowned credit rating agency that evaluates the financial stability of companies. American United Life Insurance Company has also earned a high rating of “A+” (Strong) from S&P Global Ratings. This rating reflects the company’s solid financial base, strong earnings, and effective risk management practices. The “A+” rating indicates that the insurer has a very strong capacity to fulfill its financial commitments to its policyholders and beneficiaries.
Independent Review and Analysis
In addition to these external credit ratings, independent analysts and investment firms have also thoroughly reviewed and assessed American United Life Insurance Company’s financial strength. These analyses have consistently concluded that the company has a conservative investment portfolio, a strong track record of profitability, and a sound risk management framework. The independent reviews have validated the positive ratings given by the credit rating agencies and further substantiate the company’s financial stability and reliability.
Investment Portfolio
American United Life Insurance Company manages a diverse investment portfolio consisting of various asset classes, including stocks, bonds, and real estate. The portfolio is carefully diversified to mitigate risk and enhance returns over the long term. The company’s investment strategy is designed to balance growth potential with prudent risk management, ensuring the preservation of capital and the generation of stable income to support its insurance operations.
Profitability and Earnings
American United Life Insurance Company has consistently generated strong earnings and maintained a favorable financial profile. The company’s underwriting practices are disciplined, and its claims management is efficient, resulting in a strong operating margin. The company’s profitability allows it to build capital reserves, strengthen its financial position, and provide competitive insurance products and services to its policyholders.
Risk Management Practices
American United Life Insurance Company has implemented a comprehensive risk management framework to identify, assess, and mitigate potential risks that could impact its financial strength. The company employs experienced risk managers and utilizes advanced risk assessment tools to monitor and manage its exposure to various risks, including underwriting, investment, and operational risks. The robust risk management practices contribute to the company’s overall financial stability and ability to withstand adverse events.
Capitalization and Liquidity
American United Life Insurance Company maintains a strong level of capitalization, which is a measure of its financial resources and ability to absorb losses. The company’s capital adequacy ratio consistently exceeds regulatory requirements, providing a buffer against potential adverse events and ensuring its ongoing ability to meet its insurance obligations. The company also maintains a high level of liquidity, ensuring its ability to meet its short-term financial commitments and to respond effectively to unexpected events.
Reinsurance and External Support
American United Life Insurance Company utilizes reinsurance to mitigate the potential financial impact of large or catastrophic claims. Reinsurance involves transferring a portion of the insurance risk to other insurance companies, which helps to spread the risk and reduce the potential financial burden on the company. American United Life Insurance Company also has access to external support, including lines of credit and capital markets, which provide additional financial flexibility and support in times of need.
Customer Service and Claims Handling
American United Life Insurance Company places a strong emphasis on providing excellent customer service and efficiently handling claims. The company has invested in its customer service infrastructure and has a team of dedicated representatives who are available to assist policyholders with any inquiries or concerns. The company’s claims handling process is designed to be fair, efficient, and compassionate, ensuring that policyholders receive prompt and appropriate compensation for covered claims.
Financial Stability and Reliability
Overall, American United Life Insurance Company’s strong financial ratings, conservative investment portfolio, consistent profitability, effective risk management practices, and unwavering commitment to customer service demonstrate its financial stability and reliability. The company is well-positioned to fulfill its insurance obligations to its policyholders, providing peace of mind and financial security for individuals and families across the country.
The Products Offered by American United Life Insurance Company
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that provides coverage for your entire life, as long as you continue to pay your premiums. It also has a cash value component that grows over time, which you can borrow against or withdraw from.
Term Life Insurance
Term life insurance is a type of temporary life insurance that provides coverage for a specific period of time, such as 10, 20, or 30 years. It is typically less expensive than whole life insurance, but it does not have a cash value component.
Universal Life Insurance
Universal life insurance is a type of permanent life insurance that offers more flexibility than whole life insurance. You can adjust your coverage amount and premium payments as your needs change, and you can also access the cash value component without having to borrow against it.
Variable Life Insurance
Variable life insurance is a type of permanent life insurance that invests the cash value component in a variety of investment options, such as stocks, bonds, and mutual funds. The value of your cash value component will fluctuate depending on the performance of the investments.
Annuities
Annuities are a type of financial product that provides a stream of income for a period of time, such as your retirement. You can purchase an annuity with a lump sum or with regular payments, and you can choose to receive your income monthly, quarterly, or annually.
Disability Insurance
Disability insurance provides coverage if you are unable to work due to an illness or injury. It can help you replace your lost income and cover your expenses while you are out of work.
Long-Term Care Insurance
Long-term care insurance provides coverage for the costs of long-term care, such as nursing home care or assisted living. It can help you protect your assets and ensure that you have the care you need as you age.
Supplemental Health Insurance
Supplemental health insurance is a type of insurance that can help you cover the costs of medical expenses that are not covered by your primary health insurance plan. It can include coverage for dental care, vision care, and prescription drugs.
Investment Products
American United Life Insurance Company also offers a variety of investment products, such as mutual funds, annuities, and variable annuities. These products can help you grow your savings and reach your financial goals.
Group Insurance
American United Life Insurance Company offers a variety of group insurance products, such as life insurance, disability insurance, and long-term care insurance. These products can be purchased by employers for their employees.
The Benefits of Having Life Insurance from American United
Guaranteed Death Benefit
An American United life insurance policy provides a guaranteed death benefit to your beneficiaries upon your passing. This benefit serves as a financial safety net for them, ensuring they have the resources to cover final expenses, outstanding debts, and other essential expenses during a difficult time.
Tax-Free Benefits
The death benefit from an American United life insurance policy is generally tax-free to your beneficiaries. This means they receive the full amount without having to pay any federal income taxes. This tax-free status helps maximize the value of the policy and minimize the financial burden on your loved ones.
Customization Options
American United offers a range of life insurance products to meet your specific needs. From term life insurance to whole life insurance, you can customize your policy to match your age, health, budget, and family situation. You have the option to choose the coverage amount, policy term, and additional riders or benefits that fit your circumstances.
Financial Flexibility
Permanent life insurance policies from American United, such as whole life and universal life, provide a cash value component that grows over time. This cash value can be accessed through policy loans or withdrawals, giving you flexibility to address financial needs during your lifetime without affecting the death benefit.
Additional Value-Added Benefits
In addition to the core benefits of life insurance, American United offers various value-added benefits to enhance the policy’s value. These may include:
- Riders for additional coverage, such as accidental death and dismemberment or critical illness
- Loyalty discounts for long-term policyholders
- Dividend payments for participating policies
- Access to financial planning and advice
| Reason | Description |
|---|---|
| Peace of Mind | Knowing that your loved ones will be financially secure in the event of your passing provides peace of mind and reduces stress. |
| Debt Protection | Life insurance can help ensure that outstanding debts, such as mortgages, car loans, and credit card balances, are paid off upon your death, preventing financial burden on your family. |
| Estate Planning | A life insurance policy can be used as a tool for estate planning, providing liquidity to pay for estate taxes or distribute assets among beneficiaries. |
| Retirement Supplement | Permanent life insurance policies can accumulate cash value that can be accessed during retirement years to supplement other retirement income sources. |
| Business Protection | Life insurance can provide financial protection for businesses by ensuring the continuity of operations in the event of the death of a key employee or owner. |
American United Life Insurance Company: A Comparison to Competitors
Overview
American United Life Insurance Company (AUL) is a well-established provider of life insurance, annuities, and financial planning services. Headquartered in Indianapolis, Indiana, AUL has been in business since 1877 and has established a strong reputation in the insurance industry.
Life Insurance Products
AUL offers a comprehensive range of life insurance products, including:
- Term Life Insurance: Provides coverage for a specific period of time at a fixed premium.
- Whole Life Insurance: Offers lifelong coverage with premiums that remain constant.
- Universal Life Insurance: Provides flexibility in coverage and premiums, allowing policyholders to adjust their coverage as their financial needs change.
- Variable Life Insurance: Offers potential for growth and income through investments linked to financial markets.
Annuity Products
AUL also provides a variety of annuity products, which are designed to provide income streams during retirement or other financial goals:
- Fixed Annuities: Offer guaranteed returns over a specified period.
- Variable Annuities: Offer potential for growth and income through investments linked to financial markets.
- Index Annuities: Linked to financial market indexes and provide potential for growth without the risk of principal loss.
Financial Planning Services
In addition to insurance and annuity products, AUL also offers financial planning services to help individuals achieve their financial goals. These services include:
- Retirement Planning: Assists in developing and implementing retirement plans.
- Estate Planning: Provides guidance on preserving and distributing assets after death.
- Education Savings: Offers plans for saving for college expenses.
Financial Strength and Ratings
AUL is financially strong and has received high ratings from the leading insurance rating agencies:
- AM Best Rating: A+ (Superior)
- Moody’s Rating: A1 (Excellent)
- Standard & Poor’s Rating: A+ (Strong)
Customer Service and Reviews
AUL is committed to providing excellent customer service. It has a dedicated customer support team and offers various ways to get assistance, such as online chat, phone, and email. The company has generally positive customer reviews and ratings, with many customers praising its responsive customer service and easy-to-understand policies.
Pricing and Affordability
AUL’s pricing is competitive with other major insurance providers. The cost of a life insurance policy or annuity will vary depending on factors such as age, health, and the type of coverage selected. AUL offers a range of options to fit different budgets.
Policy Features and Flexibility
AUL’s life insurance and annuity products offer a variety of features and flexibility to meet the specific needs of policyholders:
- Additional Riders: Policyholders can purchase optional riders to enhance their coverage, such as accelerated death benefits and long-term care insurance.
- Premium Payment Options: Flexible premium payment options are available, including monthly, quarterly, and annual payments.
- Beneficiary Designations: Policyholders can designate beneficiaries to receive the death benefit or annuity income.
Product Features and Comparisons
The following table compares some of the key product features of AUL and its competitors:
| Feature | AUL | Competitor 1 | Competitor 2 |
|---|---|---|---|
| Term Life Insurance | Term 10, 20, or 30 | Term 10, 15, or 20 | Term 10, 15, or 30 |
| Whole Life Insurance | Guaranteed level premiums | Guaranteed level premiums | Adjustable premiums |
| Universal Life Insurance | Flexible premiums and coverage | Flexible premiums and coverage | Guaranteed level premiums |
| Variable Life Insurance | Investment potential with market risk | Investment potential with market risk | Guaranteed level premiums |
| Fixed Annuities | Guaranteed returns | Guaranteed returns | Variable returns |
| Variable Annuities | Investment potential and income | Investment potential and income | Guaranteed minimum returns |
| Index Annuities | Linked to market indexes with principal protection | Linked to market indexes with principal protection | Variable returns |
Reputational Risk and Controversies
AUL has a generally positive reputation, but like any large insurance company, it has faced some legal challenges and controversies:
- Litigation: AUL has been involved in several lawsuits related to policy disputes and denied claims.
- Regulatory Actions: The company has settled with regulators regarding issues such as sales practices and claims handling.
How to Apply for Life Insurance from American United
American United Life Insurance Company (AUL) is a leading provider of life insurance and financial products. If you’re considering purchasing life insurance from AUL, here’s a detailed guide on how to apply:
1. Gather Necessary Information
Before applying, gather these documents:
- Social Security number
- Driver’s license or passport
- Medical history
- Income information
2. Research and Select a Policy
Explore AUL’s website or consult an agent to compare policies and determine which one suits your needs and budget. Consider factors such as coverage amount, premiums, and policy term.
3. Determine Coverage Amount
Estimate the amount of coverage you need by considering factors such as income, debts, family obligations, and future expenses.
4. Select Beneficiaries
Decide who you want to receive the death benefit when you pass away. Designate them by name and provide contact information.
5. Contact an Agent or Use Online Platform
You can contact an AUL agent to guide you through the application process or apply online through their secure website.
6. Complete Application
Provide accurate and detailed information in the application, including your personal information, medical history, and financial circumstances.
7. Submit Application and Documents
Submit the completed application and any required supporting documents, such as medical records or proof of income.
8. Medical Examination
Depending on the policy and coverage amount, you may need to undergo a medical examination. This typically involves a physical exam, bloodwork, and urine analysis.
Medical Examination Details
- Purpose: To assess your overall health and determine your risk factors.
- Who Conducts: A licensed medical professional approved by AUL.
- Where: Typically at your home, workplace, or a designated exam facility.
- What Happens: The medical examiner will perform a physical examination, review your medical history, and collect samples for lab tests.
- Frequency: Depending on your age, health condition, and coverage amount, you may need to have periodic medical exams to maintain your policy.
9. Underwriting Process
AUL will review your application, medical examination results, and other information to determine your eligibility and risk level. They may request additional information or medical tests as necessary.
10. Approval and Policy Issuance
If approved, you will receive a policy outlining the coverage details, premiums, and benefits. Pay the first premium to activate your policy.
The Claims Process with American United Life Insurance Company
1. Submitting a Claim
To initiate a claim with American United Life Insurance Company, you can:
- Call the dedicated claims hotline at 1-800-462-9080.
- Submit a claim online through their secure website.
- Mail a completed claim form to the address provided in your policy.
2. Required Documentation
When submitting a claim, you will need to provide the following documents:
- The policyholder’s death certificate or proof of terminal illness.
- Proof of identity for the claimant.
- Any relevant medical records or autopsy reports.
3. Proof of Death
The death certificate should be an original or a certified copy. It must include the following information:
- Name of the deceased
- Date and place of death
- Cause of death
4. Claim Processing Timeline
American United Life Insurance Company aims to process claims within 30 days of receiving all the necessary documentation. However, the timeline may vary depending on the complexity of the claim.
5. Claim Decision
Once the claim has been reviewed, a decision will be made and communicated to the claimant. The decision will be based on the terms and conditions of the policy, as well as any relevant laws and regulations.
6. Communication with the Company
Throughout the claims process, American United Life Insurance Company will keep you updated on the status of your claim. You can contact a dedicated claims representative via phone or email for any questions or concerns.
7. Payment of Benefits
If a claim is approved, the benefits will be paid out according to the policy coverage. Payment options may include a lump sum or installments.
8. Denying a Claim
In the event that a claim is denied, American United Life Insurance Company will provide a written explanation of the decision. You may have the right to appeal the decision if you believe it is incorrect.
9. Contesting a Denied Claim
To contest a denied claim, you will need to submit an appeal in writing within the specified timeframe. The appeal should include the reasons for the appeal and any supporting documentation. American United Life Insurance Company will review the appeal and make a final decision.
10. Independent Review
If you are not satisfied with the outcome of your claim appeal, you may consider seeking an independent review. This can be done through the state insurance regulatory authority or an independent mediation service.
| Contact Information | Phone Number | Email Address |
|---|---|---|
| Claims Hotline | 1-800-462-9080 | [email protected] |
| Policyholder Services | 1-800-776-5200 | [email protected] |
American United Life Insurance Company: A Leader in the Industry
A Legacy of Trust and Innovation
American United Life Insurance Company has a rich history spanning over a century. Founded in 1929, the company has established itself as a trusted provider of life insurance and annuity products to millions of Americans. With a deep understanding of the industry and a commitment to customer satisfaction, American United has consistently exceeded expectations and set the standard for excellence.
Financial Strength and Stability
American United Life Insurance Company is known for its financial strength and stability. The company has consistently maintained exceptional ratings from leading independent agencies such as A.M. Best, Moody’s, and Fitch. This financial stability ensures that policyholders can rely on American United to honor its obligations and provide peace of mind for their loved ones.
Comprehensive Product Portfolio
American United Life Insurance Company offers a wide range of life insurance and annuity products to meet the diverse needs of its customers. From traditional whole life policies to modern variable annuities, American United has a solution for every life stage and financial goal. The company’s products are designed to provide financial protection, growth, and income security.
Customer-Centric Approach
At American United Life Insurance Company, the customer always comes first. The company’s representatives are dedicated to providing personalized service and tailored solutions to meet the unique needs of each policyholder. American United values customer relationships and strives to build strong and lasting bonds with its clients.
Technology-Driven Innovation
American United Life Insurance Company embraces technology to enhance its products and services. The company has invested in cutting-edge systems to streamline application processes, improve underwriting accuracy, and provide real-time access to account information. American United’s commitment to innovation ensures that its customers receive the most efficient and convenient experience possible.
Life Insurance Products
American United Life Insurance Company offers a variety of life insurance products to provide financial protection for your loved ones. These products include:
- Whole Life Insurance: Provides lifetime coverage with a level death benefit.
- Universal Life Insurance: Offers flexible coverage and premiums that can be adjusted to meet changing needs.
- Term Life Insurance: Provides temporary coverage at an affordable premium.
Annuity Products
American United Life Insurance Company also provides annuity products that offer tax-deferred growth and income security. These products include:
- Fixed Annuities: Offer a fixed rate of return and guaranteed income.
- Variable Annuities: Provide the potential for higher investment returns, but carry greater market risk.
- Indexed Annuities: Combine the security of a fixed annuity with the potential for higher returns based on market performance.
Financial Performance Highlights
American United Life Insurance Company’s financial performance is a testament to its commitment to providing value to its policyholders. The company has consistently achieved favorable results in terms of revenue growth, asset management, and policyholder surplus. The following table provides a snapshot of the company’s recent financial performance:
| Year | Revenue | Policyholder Surplus |
|---|---|---|
| 2022 | $4.7 billion | $10.1 billion |
| 2021 | $4.2 billion | $9.2 billion |
| 2020 | $3.8 billion | $8.3 billion |
Commitment to Social Responsibility
In addition to its financial success, American United Life Insurance Company is deeply committed to social responsibility. The company supports numerous charitable organizations and initiatives focused on improving the lives of others. American United’s commitment to making a positive impact in the communities it serves is an integral part of its corporate culture.
American United Life Insurance Company: Protecting Your Family’s Future
Life Insurance Coverage Options
American United Life offers a range of life insurance products to suit different needs and budgets, including:
- Term Life Insurance: Provides coverage for a specific period, such as 10, 20, or 30 years. It’s an affordable option for those who need temporary protection.
- Whole Life Insurance: Offers permanent coverage throughout the insured’s lifetime. It also accumulates cash value that grows over time, providing a potential source of savings or retirement income.
- Universal Life Insurance: Gives more flexibility by allowing policyholders to adjust their coverage and premiums as their needs change. It also offers a cash value component that can be accessed in the form of loans or withdrawals.
- Variable Life Insurance: Similar to Universal Life, but the cash value component is invested in mutual funds, potentially providing higher returns but also carrying more risk.
Financial Strength and Stability
American United Life is known for its financial strength and stability. It has consistently received high ratings from independent rating agencies, including an “A+” (Superior) rating from AM Best, indicating its ability to meet its financial obligations to policyholders.
Customer Service and Support
American United Life prides itself on providing excellent customer service and support. It offers a variety of resources, including:
- Online Account Management: Policyholders can access their accounts online to view policy information, make payments, and request changes.
- Dedicated Customer Service Team: A team of licensed agents is available by phone, email, or live chat to assist with questions, concerns, or claims submissions.
- Fast Claim Processing: American United Life has a streamlined claims process, with most claims being processed within 10 days of receipt.
Additional Benefits and Features
In addition to its core life insurance coverage, American United Life offers a number of additional benefits and features to enhance its products, such as:
- Riders: Policyholders can add optional riders to their policies, such as accidental death and dismemberment coverage, disability income protection, and chronic illness coverage.
- Living Benefits: Some policies offer living benefits, which allow policyholders to access their death benefit early in the event of a qualifying illness or disability.
- Policy Loans: Whole Life and Universal Life policies allow policyholders to borrow against their cash value component.
Pricing and Value
American United Life offers competitive pricing for its life insurance products. However, it’s important to compare quotes from multiple insurance providers to find the best coverage and value for your needs and budget.
Eligibility Requirements
To be eligible for life insurance coverage from American United Life, applicants must meet certain eligibility requirements, which may include:
- Age: Typically, coverage is available to individuals between the ages of 18 and 80.
- Health: Applicants must complete a medical exam or health questionnaire to provide information about their overall health and medical history.
- Occupation: Certain high-risk occupations may require additional underwriting considerations.
Underwriting Process
When applying for life insurance from American United Life, applicants will go through an underwriting process that involves evaluating their risk factors. This process may include:
- Medical Exam: A paramedical examiner will conduct a medical exam to assess the applicant’s health and gather information about their weight, height, blood pressure, and other vital signs.
- Health Questionnaire: Applicants may also be asked to complete a health questionnaire that covers their medical history, lifestyle habits, and family medical history.
- Occupation Verification: American United Life may also verify the applicant’s occupation and income to assess their risk level.
Policy Options for Seniors
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American United Life offers life insurance options specifically designed for seniors. These policies may come with simplified underwriting requirements and reduced premiums, making them suitable for those who may have health conditions or are limited by age.
Support for Agent Partners
American United Life provides a robust support system for its agent partners. Agents have access to:
- Sales Tools: Comprehensive sales materials, including brochures, presentations, and online resources.
- Training: Regular training programs to enhance agents’ knowledge and skills.
- Marketing Support: Co-marketing and lead generation programs to help agents build their businesses.
Corporate Social Responsibility
American United Life is committed to corporate social responsibility and gives back to the community through various initiatives, including:
- Charitable Contributions: Supporting organizations that focus on education, health, and well-being.
- Employee Volunteerism: Encouraging employees to volunteer their time to local charities.
- Environmental Sustainability: Implementing sustainable practices throughout its operations.
- Life insurance
- Annuities
- Retirement savings plans
- Supplemental health insurance
- Disability income insurance
- Ward’s 50 “Top Performers” award
- J.D. Power’s “Highest Customer Satisfaction among Life Insurance Companies” award
- Forbes “Best Employers for Diversity” award
- The development of an AI-powered chatbot that provides personalized customer service 24/7.
- The launch of a mobile app that allows customers to manage their policies, file claims, and access policy information on the go.
- The introduction of new products, such as a life insurance policy that offers guaranteed death benefit protection for the entire life of the insured.
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable universal life insurance
- Annuities
- iPromiseTM, an accelerated death benefit rider that provides access to a portion of the death benefit while the policyholder is still living
- Return of Premium (ROP), a rider that provides a refund of all premiums paid if the policyholder dies before the end of the coverage period
- Guaranteed Issue Whole Life Insurance, which provides coverage without a medical exam
- The American Red Cross
- The United Way
- St. Jude Children’s Research Hospital
- A.M. Best A+ (Superior) rating
- Standard & Poor’s AA- (Very Strong) rating
- J.D. Power Award for Outstanding Customer Service
- Ward’s 50 Top Performing Life/Health Insurance Companies
- Index Universal Life Insurance: A flexible life insurance policy that provides access to potential market returns through indexed accounts.
- Guaranteed Universal Life Insurance: A life insurance policy with guaranteed premiums and death benefits.
- Survivorship Universal Life Insurance: A life insurance policy that provides coverage for two people, such as a husband and wife.
- A.M. Best A+ (Superior) rating (2022)
- Standard & Poor’s AA- (Very Strong) rating (2022)
- J.D. Power Award for Outstanding Customer Service (2022)
- Independent agents
- Financial advisors
- Online brokers
- Life insurance
- Annuities
- Disability insurance
- Long-term care insurance
- Retirement planning
- Life insurance: AUL offers a variety of life insurance policies to meet your individual needs, including term life insurance, whole life insurance, and universal life insurance.
- Annuities: AUL annuities provide a guaranteed stream of income for life. The company offers a variety of annuity options to meet your retirement planning needs.
- Disability insurance: AUL disability insurance protects your income in the event that you are unable to work due to a disability.
- Long-term care insurance: AUL long-term care insurance helps you pay for the costs of long-term care, such as nursing home care or assisted living.
- Retirement planning: AUL offers a variety of retirement planning solutions, including IRAs and annuities.
- Single Premium Immediate Annuities (SPIAs): SPIAs provide a guaranteed stream of income for life. You make a single lump sum payment and receive an annuity payment for the rest of your life.
- Deferred Annuities: Deferred annuities allow you to save money for retirement on a tax-deferred basis. You can choose to withdraw your money at a later date, either as a lump sum or as a series of payments.
- Variable Annuities: Variable annuities offer the potential for higher returns than other types of annuities. However, they also come with the risk of losing money.
- Term life insurance provides coverage for a specified period, such as 10 or 20 years.
- Whole life insurance is a permanent form of life insurance that provides coverage for your entire life.
- Universal life insurance combines the features of term and whole life insurance, offering flexibility and customization options.
- Term life insurance
- Whole life insurance
- Universal life insurance
- Annuities
- Disability income insurance
- Funeral expenses
- Outstanding debts
- Medical expenses
- Lost income
- Education expenses
- Key employees
- Business owners
- Partners
- Employees
- Increased coverage limits
- Simplified underwriting process
- Added value-added benefits
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable life insurance
- Annuities
- Retirement planning
- College savings planning
- Estate planning
- The type of life insurance policy you need
- The amount of coverage you need
- The length of time you need coverage
- The cost of the policy
- Financial strength and stability
- Wide range of products and services
- Low prices
- Excellent customer service
- Financial planning services
- Claims-paying ability
- Industry expertise
- Commitment to community
- Ethical business practices
- Transparency
- Innovation
- Flexibility
- Adaptability
- Resilience
- Longevity
- Trustworthiness
- Reliability
- Integrity
- Value
- Peace of mind
- Security
- Protection
- Legacy
- Accidental Death Benefit
- Disability Income Benefit
- Long-Term Care Benefit
- Child Term Life Insurance
- J.D. Power and Associates Award for Highest Customer Satisfaction in Life Insurance
- A.M. Best Award for Financial Stability and Strength
- Standard & Poor’s Award for Excellence in Underwriting
- The first life insurance policy to cover accidental death
- The first life insurance policy to cover cancer
- The first life insurance policy to cover AIDS
- A strong capital base
- A diversified portfolio of investments
- A conservative underwriting approach
- A commitment to customer service
- Life insurance (term, whole, and universal)
- Disability insurance
- Long-term care insurance
- Annuities
- Retirement plans
- Term life insurance: Provides coverage for a set period, offering affordable protection during your working years.
- Whole life insurance: Provides lifelong coverage and accumulates a cash value component that can be borrowed against or surrendered for cash.
- Universal life insurance: Offers flexible coverage and premium payments, with a cash value component that grows on a tax-deferred basis.
- Fixed annuities: Provide a guaranteed interest rate and accumulate earnings on a tax-deferred basis.
- Variable annuities: Offer the potential for higher returns but also carry some investment risk.
- Retirement account management
- Investment advice
- Income planning
- Life insurance
- Annuities
- Long-term care insurance
- Disability income insurance
- Mutual funds
- Exchange-traded funds (ETFs)
- Managed accounts
- Annuities
- "A+" (Excellent) rating for financial strength and stability
- "a+" (Superior) rating for issuer credit rating
- Long-term track record of financial stability and strength
- "AA-" (Very Strong) rating for insurer financial strength
- "F1+" (Strong) rating for short-term insurer financial strength
- Recognition for sound underwriting practices and strong capital position
- "A1" (Excellent) rating for insurance financial strength
- "Aaa" (Very Strong) rating for claims-paying ability
- Excellent capital adequacy and financial performance track record
- "A+" (Strong) rating for insurer financial strength
- "A-1+" (Strong) rating for short-term insurer credit rating
- Commendation for strong liquidity and balance sheet strength
- Asset allocation: Focused on high-yield bonds, stocks, and real estate
- Conservative investment strategy: Minimizes risk while seeking long-term growth
- Strong track record: Delivering consistent investment returns and protecting shareholder value
- Provides additional financial stability and diversification
- Reduces premium costs for policyholders by retaining a portion of risks in-house
- Enhances the company’s ability to withstand potential losses or market volatility
- Experienced claims adjusters: Trained to provide exceptional service and assistance
- Efficient processing: Utilizes technology to streamline the claims process
- High claims-paying ratio: Demonstrates the company’s commitment to policyholder satisfaction
- Online account access: Policyholders can manage their accounts and view policy details seamlessly
- Mobile app: Offers convenient policy information and claims support
- 24/7 customer service: Provides assistance when needed, day or night
- Employee Resource Groups (ERGs): Promote a sense of belonging and support for employees from various backgrounds
- Diversity and inclusion initiatives: Encourage engagement and professional development for all employees
- Recognition for diversity and inclusion: Honored by industry organizations for its commitment
- Community outreach programs: Supports local organizations and initiatives
- Employee volunteerism: Encourages employees to engage in community service
- Social impact investments: Invests in projects that make a positive difference
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Life Insurance: Protect your family’s future with comprehensive life insurance plans.
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Disability Insurance: Safeguard your financial well-being in the event of disability, ensuring income continuation.
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Retirement Planning: Secure your golden years with retirement savings plans and annuities.
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Supplementary Health Insurance: Enhance your health coverage with supplemental policies that bridge any gaps in your primary insurance.
- AM Best “A+” (Excellent) financial strength rating
- Fitch Ratings “A” (Strong) issuer default rating
- JD Power Award for “Highest Customer Satisfaction among Life Insurers” for multiple years
- A+ (Superior) by A.M. Best
- AA- (Very Strong) by Fitch Ratings
- Knowledgeable and responsive customer representatives
- Online self-service tools for convenient policy management
- Personalized consultations to tailor solutions to individual needs
- Whole Life Insurance: Provides death benefit and cash value accumulation
- Universal Life Insurance: Flexible death benefit protection with adjustable premiums
- Term Life Insurance: Affordable coverage for a specific period
- Indexed Universal Life Insurance: Combines life insurance coverage with market-linked investment options
- Annuity Products: Provides a steady retirement income stream
- Accelerated Death Benefit: Provides early access to death benefit in case of critical illness
- Waiver of Premium: Suspends premium payments due to disability
- Accidental Death Benefit: Provides additional coverage in case of accidental death
- Guaranteed Insurability: Allows you to purchase additional coverage without medical underwriting
- Online quoting and application system for quick and convenient coverage
- Mobile app for easy access to policy information and e-services
- Financial planning tools to help you make informed decisions
- NAIFA (National Association of Insurance and Financial Advisors)
- CFA Institute (Chartered Financial Analyst Institute)
- Sponsors charitable organizations focused on education, health, and well-being
- Supports employee volunteerism and community involvement programs
- Financial stability and reliability: With its strong financial ratings, AUL can provide peace of mind that its policyholders’ claims will be paid when they need them.
- Comprehensive coverage options: AUL offers various insurance products, including life, disability, long-term care, and annuities, allowing customers to customize their coverage based on their specific needs.
- Competitive rates: AUL strives to offer competitive rates without compromising the quality of its coverage, making its products accessible to a wider range of customers.
American United Life Insurance Company: A Commitment to Service
The History of American United Life Insurance Company
For over a century, American United Life Insurance Company has been a trusted provider of financial protection for individuals and families across the United States. Founded in 1901 as the United Mutual Life Insurance Association, the company has grown and evolved over the years to become one of the most respected insurance carriers in the nation.
Financial Strength and Stability
American United Life Insurance Company maintains a strong financial position with a track record of stable growth and profitability. The company has earned consistently high ratings from independent credit rating agencies, including AA+ (Superior) from S&P Global Ratings and A++ (Exceptional) from AM Best.
Wide Range of Products and Services
American United Life Insurance Company offers a comprehensive range of insurance products and services, including:
Innovative and Flexible Solutions
American United Life Insurance Company is committed to providing innovative and flexible solutions to meet the unique needs of its customers. The company offers a variety of customizable products, such as adjustable life insurance and universal life insurance, that can be tailored to changing financial circumstances.
Exceptional Customer Service
American United Life Insurance Company is renowned for its exceptional customer service. The company’s dedicated team of experienced professionals provides personalized support and guidance to help customers find the best insurance solutions for their specific needs.
Community Involvement
American United Life Insurance Company is deeply committed to giving back to the communities it serves. The company supports a variety of charitable organizations and initiatives focused on education, financial literacy, and health and wellness.
Industry Leadership
American United Life Insurance Company is an active leader in the insurance industry. The company participates in research and development efforts, advocates for sound insurance practices, and contributes to industry initiatives.
Awards and Recognition
American United Life Insurance Company has received numerous awards and accolades for its financial strength, customer service, and industry leadership. These include:
Meeting the Needs of Today’s Consumers
American United Life Insurance Company is well-positioned to meet the evolving needs of today’s consumers. The company is investing in new technologies and digital platforms to enhance the customer experience and provide convenient access to its products and services.
Committed to the Future
American United Life Insurance Company is committed to providing financial security and peace of mind to its customers for generations to come. The company continues to innovate, grow, and give back to the communities it serves.
Additional Details on Innovation
American United Life Insurance Company has a dedicated team of researchers and developers who are constantly exploring new and innovative ways to provide value to customers. Some of the company’s recent innovations include:
Financial Performance
American United Life Insurance Company has a strong track record of financial performance. The company has consistently exceeded industry averages in terms of profitability, growth, and solvency. The following table summarizes the company’s key financial metrics:
| Metric | 2022 |
|---|---|
| Revenue | $5.6 billion |
| Net Income | $650 million |
| Total Assets | $28.5 billion |
| Policyholder Surplus | $9.5 billion |
American United Life Insurance Company: A Reputation of Excellence
Trusted for Over a Century
American United Life Insurance Company (AUL) has been providing financial security to families for over a century. Founded in 1877, AUL has grown into one of the nation’s leading life insurance providers, with a reputation for excellence and a commitment to customer satisfaction.
Wide Range of Products and Services
AUL offers a comprehensive suite of life insurance products, including:
Financial Strength and Stability
AUL is financially strong and stable, with an A.M. Best rating of A+ (Superior) and a Standard & Poor’s rating of AA- (Very Strong). This means that AUL has the financial resources to meet its obligations to policyholders and beneficiaries.
Excellent Customer Service
AUL is committed to providing excellent customer service. The company’s experienced and knowledgeable agents are available to answer questions, provide guidance, and assist with claims processing.
Product Innovation
AUL is constantly innovating to meet the changing needs of its customers. The company has introduced a number of innovative products and features, such as:
Social Responsibility
AUL is committed to giving back to the community. The company supports a variety of charitable organizations and initiatives, including:
Industry Recognition
AUL has received numerous industry awards and recognitions, including:
Commitment to Excellence
AUL is committed to providing the highest quality life insurance products and services. The company’s experienced agents, strong financial position, and innovative products make AUL a trusted choice for financial security.
Expanded Product Line
In recent years, AUL has expanded its product line to include a number of new products and riders, including:
Financial Performance
AUL continues to perform well financially. In 2021, the company reported a net income of $1.1 billion and total assets of $58.5 billion.
Awards and Recognition
AUL has continued to receive numerous industry awards and recognitions, including:
Expanded Distribution Network
AUL has expanded its distribution network to include a number of new channels, including:
Community Involvement
AUL remains committed to giving back to the community. In addition to its support of national charities, the company also supports local organizations and initiatives in the communities where its employees live and work.
American United Life Insurance Company: Meeting Your Insurance Needs
About American United Life Insurance Company
American United Life Insurance Company (AUL) is a leading provider of life insurance, annuities, and retirement planning solutions. Founded in 1929, AUL is committed to providing financial security and peace of mind to its customers.
Products and Services
AUL offers a comprehensive range of insurance products, including:
Financial Strength and Stability
AUL is a financially stable company with a strong track record. The company holds an "A" financial rating from Demotech, Inc., and has received numerous awards for its financial strength.
Customer Service
AUL is dedicated to providing excellent customer service. The company offers a variety of ways to contact its representatives, including phone, email, and live chat.
Underwriting Process
The underwriting process at AUL is designed to be efficient and accurate. The company uses a variety of factors to assess your risk, including your health, age, and lifestyle.
Claims Process
AUL has a streamlined claims process that makes it easy to file and track your claim. The company is committed to paying claims quickly and efficiently.
Product Highlights
Premiums and Benefits
The premiums for AUL products vary depending on a number of factors, including your age, health, and policy type. The benefits of AUL products also vary depending on the policy type.
Life Insurance Premiums
| Policy Type | Annual Premium |
|---|---|
| Term Life Insurance | $200-$1,000 |
| Whole Life Insurance | $500-$2,000 |
| Universal Life Insurance | $300-$1,500 |
Annuities
AUL offers a variety of annuities with different features and benefits. Some of the most popular annuities include:
How to Apply for an AUL Policy
You can apply for an AUL policy online, over the phone, or through an insurance agent. The application process is quick and easy, and you can get a quote in just a few minutes.
Conclusion
American United Life Insurance Company is a leading provider of life insurance, annuities, and retirement planning solutions. The company is committed to providing financial security and peace of mind to its customers. With a strong track record of financial strength and stability, AUL is a trusted provider of insurance products.
American United Life Insurance Company: The Power of Life Insurance
The Importance of Life Insurance
Life insurance is an essential financial tool that can provide peace of mind and financial security for your loved ones in the event of your death. It offers a way to ensure that your family is taken care of, even if you are no longer there to provide for them.
Types of Life Insurance
There are various types of life insurance available, each with its unique benefits and features. Here are the most common types:
American United Life Insurance Company
American United Life Insurance Company (AUL) is a leading provider of life insurance and financial products in the United States. Founded in 1877, AUL is one of the oldest and most respected life insurance companies in the country.
Financial Strength
AUL maintains strong financial ratings from leading credit rating agencies, including A+ (Superior) from A.M. Best and A+ (Strong) from Standard & Poor’s. These ratings indicate AUL’s financial stability and ability to meet its obligations to policyholders.
Product Offerings
AUL offers a comprehensive range of life insurance products to meet the diverse needs of its customers. These products include:
Customer Service
AUL is committed to providing exceptional customer service. The company’s experienced and knowledgeable agents are dedicated to helping customers understand their life insurance options and find the right coverage for their needs.
Financial Stability
To protect the financial future of its policyholders, AUL maintains a sound financial foundation. The company’s conservative investment strategy and strong capital position ensure its ability to meet its obligations.
Community Involvement
AUL is actively involved in supporting its local communities. The company supports various charitable organizations and initiatives that focus on improving the lives of individuals and families.
Protecting Your Loved Ones
Life insurance from AUL provides the financial protection you need to ensure that your loved ones are taken care of when you are gone. It can help pay for:
Benefits for Businesses
AUL offers a range of life insurance products designed to meet the specific needs of businesses. These products can provide financial protection for:
Product Enhancements
AUL continuously improves its product offerings to meet the evolving needs of its customers. Recent product enhancements include:
Personalized Solutions
AUL recognizes that every customer has unique life insurance needs. The company’s experienced agents work with customers to develop personalized solutions that provide the coverage they need at a price they can afford.
American United Life Insurance Company: A Company You Can Trust
About American United Life Insurance Company
American United Life Insurance Company (AUL) is a leading provider of life insurance and annuities in the United States. Founded in 1877, AUL has a long history of financial strength and stability. The company is headquartered in Indianapolis, Indiana, and serves customers in all 50 states.
Financial Strength
AUL is one of the most financially strong life insurance companies in the United States. The company has received consistently high ratings from independent rating agencies, including A.M. Best, Moody’s, and Standard & Poor’s.
Products and Services
AUL offers a wide range of life insurance and annuity products, including:
Customer Service
AUL is committed to providing excellent customer service. The company has a team of experienced and knowledgeable customer service representatives who are available to answer questions and help customers with their insurance needs.
Financial Planning
AUL offers a variety of financial planning services to help customers achieve their financial goals. These services include:
The Value of Life Insurance
Life insurance is an important part of any financial plan. It can provide financial protection for your loved ones in the event of your death. Life insurance can also be used to save for retirement or college expenses.
Choosing the Right Life Insurance Policy
There are many factors to consider when choosing a life insurance policy, including:
Get a Quote from American United Life
If you are interested in getting a quote from American United Life, you can visit the company’s website or call 1-800-AUL-LIFE (1-800-285-5433).
American United Life Insurance Company: A Company You Can Trust
American United Life Insurance Company is a leading provider of life insurance and annuities in the United States. For over 135 years, AUL has been dedicated to providing financial peace of mind to its customers.
23 Reasons to Choose American United Life Insurance Company
Here are 23 reasons to choose American United Life Insurance Company:
Supplemental Information
Here is some supplemental information about American United Life Insurance Company:
| Assets | $23 billion |
|---|---|
| Policies in force | Over 1 million |
| Employees | Over 2,000 |
| Headquarters | Indianapolis, Indiana |
American United Life Insurance Company: Life Insurance Tailored to Your Needs
American United Life Insurance Company (AUL) has been safeguarding families financially for over 100 years. With a wide range of life insurance policies, AUL empowers individuals to secure their loved ones’ future, protect their income, and preserve their legacy.
Tailored Life Insurance Options
AUL recognizes that every family’s needs are unique. That’s why they offer a comprehensive suite of life insurance policies designed to cater to diverse situations. From term life insurance to whole life insurance and universal life insurance, AUL has a solution that fits your specific goals and budget.
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 15, or 20 years. It’s a cost-effective option for temporary protection or to supplement existing coverage.
Whole Life Insurance
Whole life insurance provides permanent coverage for your entire life. It accumulates cash value over time, which can be accessed for future needs like retirement or education expenses.
Universal Life Insurance
Universal life insurance offers flexibility in premium payments and death benefit amounts. It allows you to adjust your coverage as your needs change over time.
Financial Protection for Families
Losing a loved one can bring unexpected financial burdens. AUL’s life insurance policies can provide a financial safety net for your family, ensuring they have the resources they need to cover final expenses, pay off debts, and maintain their standard of living.
Income Replacement and Estate Planning
In the event of a disability or untimely death, life insurance can serve as a source of income replacement. It can also help preserve your legacy by providing funds for estate taxes or charitable donations.
Riders and Benefits
To enhance the protection provided by their life insurance policies, AUL offers various riders and benefits. These include:
Financial Stability and Customer Service
AUL is financially strong and has consistently received high ratings from independent rating agencies. The company is committed to providing exceptional customer service, with dedicated agents available to guide you through every step of the process.
Get a Free Quote Today
Discover how AUL’s life insurance policies can protect your loved ones and secure your financial future. Get a free quote today by contacting an AUL agent or visiting their website.
Compare AUL’s Life Insurance Plans
The following table summarizes the key features of AUL’s term life, whole life, and universal life insurance plans:
| Plan Type | Coverage Term | Premium Flexibility | Cash Value |
|---|---|---|---|
| Term Life Insurance | 10, 15, 20 years | Fixed | No |
| Whole Life Insurance | Entire life | Limited | Yes |
| Universal Life Insurance | Flexible | Adjustable | Yes |
American United Life Insurance Company: A Leader in Insurance Innovation
American United Life Insurance Company: A Legacy of Innovation
American United Life Insurance Company (AUL) has been a leading provider of insurance products and services for over 100 years. Founded in 1921, AUL has consistently set the pace for innovation in the insurance industry.
A Commitment to Customer Service
AUL is dedicated to providing its customers with the highest level of service. The company’s experienced and knowledgeable agents are always available to answer questions and provide guidance, ensuring that customers have the right coverage to meet their needs.
A Wide Range of Insurance Products
AUL offers a wide range of insurance products to meet the needs of individuals, families, and businesses. These products include life insurance, health insurance, disability insurance, and retirement planning.
A Focus on Technology
AUL is committed to using technology to improve the customer experience. The company’s website is easy to use and provides customers with a wealth of information about its products and services. AUL also offers a mobile app that allows customers to manage their accounts and access their policy information from anywhere.
A Strong Financial Foundation
AUL is a financially sound company with a strong track record of profitability. The company has received high ratings from independent financial rating agencies, including A.M. Best and Standard & Poor’s.
A Culture of Respect and Integrity
AUL is committed to maintaining a culture of respect and integrity. The company’s employees are dedicated to providing excellent customer service and upholding the highest ethical standards.
Awards and Recognition
AUL has received numerous awards and recognitions for its commitment to innovation and customer service. These awards include:
A History of Innovation
AUL has a long history of innovation in the insurance industry. Some of the company’s most notable innovations include:
Products and Services
| Product | Description |
|---|---|
| Life Insurance | Provides financial protection for your loved ones in the event of your death |
| Health Insurance | Covers medical expenses in the event of an accident or illness |
| Disability Insurance | Provides income replacement if you are unable to work due to a disability |
| Retirement Planning | Helps you save for a secure future |
27. AUL’s Financial Strength
AUL is a financially sound company with a strong track record of profitability. The company has received high ratings from independent financial rating agencies, including A.M. Best and Standard & Poor’s. These ratings indicate that AUL is able to meet its obligations to policyholders and that the company is financially stable.
AUL’s financial strength is due to a number of factors, including:
AUL’s financial strength gives policyholders peace of mind knowing that their insurance coverage is secure. The company is committed to maintaining its financial strength and continuing to provide its customers with the highest level of service.
American United Life Insurance Company: Your Trusted Guide to Financial Security
A Legacy of Reliability and Protection
American United Life Insurance Company (AUL) has been a beacon of financial security for over a century, consistently delivering peace of mind to families and businesses alike.
Unwavering Financial Stability
AUL’s unwavering financial stability, backed by A+ (Superior) ratings from A.M. Best and AA- (Very Strong) from Standard & Poor’s, assures policyholders of the company’s ability to honor its commitments for years to come.
Comprehensive Product Portfolio
With a comprehensive suite of insurance solutions, AUL caters to a wide spectrum of financial needs, including:
Customized Insurance Solutions
AUL’s team of experienced insurance professionals understands that every client is unique. They work closely with policyholders to craft customized insurance plans tailored to their specific goals and circumstances.
Exceptional Customer Service
AUL is renowned for its exceptional customer service, with a dedicated team available 24/7 to provide prompt and personalized assistance. Policyholders can expect compassionate and efficient support throughout the life of their policy.
Securing Your Financial Future
AUL’s insurance products are designed to mitigate financial risks and provide peace of mind, protecting your loved ones and preserving your assets in the face of life’s uncertainties:
Life Insurance: A Legacy of Love and Protection
AUL’s life insurance policies offer a tailored safety net for your family, ensuring their financial security even in your absence. Options include term life, whole life, and universal life insurance, each providing unique benefits to suit different needs.
Disability Insurance: Safeguarding Your Income
Disability insurance from AUL protects your income in the event of an unexpected illness or injury. With customizable coverage amounts and benefit periods, you can maintain financial stability and peace of mind knowing that your livelihood is protected.
Long-Term Care Insurance: Ensuring Dignified Care
AUL’s long-term care insurance provides coverage for the expenses associated with long-term care, including home health care, assisted living, and nursing home stays. This invaluable protection helps ensure that your loved ones can receive quality care.
Annuities: Guaranteed Income for Your Retirement
AUL’s annuities offer a reliable source of guaranteed income for your retirement years. With various annuity options to choose from, you can secure a stable and predictable future financial stream.
Retirement Plans: Saving for Your Golden Years
AUL offers a range of retirement plans designed to help you accumulate savings and secure your financial well-being in retirement. Whether you prefer traditional IRAs, Roth IRAs, or 401(k) plans, AUL provides solutions to meet your needs.
Conclusion
American United Life Insurance Company is a trusted and reliable partner for your financial security journey. With a legacy of excellence, comprehensive product offerings, and exceptional customer service, AUL empowers you to navigate life’s financial complexities with confidence and peace of mind.
American United Life Insurance Company: A Legacy of Financial Protection
With over a century of experience in the insurance industry, American United Life Insurance Company has established itself as a trusted provider of financial security for families across the nation. From life insurance to annuities, we offer a comprehensive suite of products designed to protect your loved ones and preserve your financial legacy.
Financial Strength and Stability
American United Life Insurance Company is renowned for its exceptional financial strength and stability. We maintain an A+ (Superior) rating by A.M. Best, the leading independent credit rating agency, a testament to our unwavering commitment to fulfilling our obligations to our policyholders.
Life Insurance: A Cornerstone of Financial Planning
Life insurance forms the foundation of any sound financial plan, providing peace of mind and financial protection for your loved ones in the event of your untimely passing. American United Life Insurance Company offers a range of life insurance products tailored to meet your specific needs, including:
Annuities: Safeguarding Your Retirement
Annuities provide a reliable income stream during your retirement years, ensuring financial stability and peace of mind. American United Life Insurance Company offers two primary types of annuities:
Investment Options: Growing Your Wealth
In addition to our insurance products, American United Life Insurance Company offers a variety of investment options to help you grow your wealth. Our investment specialists can guide you in developing a personalized investment strategy that aligns with your financial goals and risk tolerance.
Retirement Planning: Securing Your Future
American United Life Insurance Company is committed to helping you secure a comfortable retirement. Our retirement planning services include:
Long-Term Care Insurance: Protecting Your Independence
Long-term care expenses can pose a significant financial burden on families. American United Life Insurance Company offers long-term care insurance to help you cover the costs of assisted living, nursing home care, or other long-term care services.
Disability Income Insurance: Protecting Your Income
Disability income insurance provides a safety net if you become unable to work due to an injury or illness. American United Life Insurance Company offers a range of disability income insurance products to protect your income and maintain your financial security.
Customer Service: A Commitment to Excellence
At American United Life Insurance Company, we prioritize customer satisfaction above all else. Our dedicated customer service team is available to assist you with any questions or concerns you may have. We pride ourselves on providing prompt, personalized, and professional service.
Financial Education: Empowering You with Knowledge
American United Life Insurance Company believes that financial education is essential for making sound financial decisions. We offer a range of resources to help you understand insurance, investments, and retirement planning. Our educational materials are designed to be accessible and informative, empowering you to make informed choices about your financial future.
Company Overview: A Legacy of Trust
American United Life Insurance Company was founded in 1901 with a mission to provide financial security to families across the nation. Over the past century, we have grown into a leading insurance provider, serving millions of policyholders with a wide range of financial products and services. Our dedication to our policyholders, financial strength, and unwavering commitment to excellence have made us a trusted partner in financial planning for generations.
Products and Services: A Comprehensive Offering
American United Life Insurance Company offers a comprehensive suite of products and services to meet the diverse financial needs of our customers. Our product offerings include:
| Insurance Products | Investment Products |
|---|---|
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Financial Strength and Stability: A Foundation of Trust
American United Life Insurance Company maintains an A+ (Superior) rating by A.M. Best, the leading independent credit rating agency. This exceptional rating reflects our strong financial performance, conservative investment strategies, and unwavering commitment to fulfilling our obligations to our policyholders. Our financial strength provides peace of mind to our customers, knowing that their financial future is in capable hands.
Customer Service: A Commitment to Excellence
At American United Life Insurance Company, we place the highest priority on providing exceptional customer service. Our dedicated team of professionals is available 24/7 to assist you with any questions or concerns. We believe that every customer deserves personalized attention and prompt responsiveness. Our commitment to customer satisfaction is reflected in our high customer retention rates and positive feedback.
Financial Strength and Stability
American United Life Insurance Company is renowned for its robust financial standing. The company maintains a consistently high level of capital and surplus, indicating its ability to meet its financial obligations to policyholders. Moreover, it has earned exceptional ratings from independent rating agencies, including A+ (Superior) from A.M. Best, A1 (Excellent) from Moody’s Investors Service, and AA- (Very Strong) from Standard & Poor’s. These ratings attest to the company’s financial strength and stability, providing policyholders with peace of mind knowing that their financial future is secure.
Commitment to Innovation
American United Life Insurance Company embraces innovation as a core principle. The company continuously develops and introduces new products and services designed to meet the evolving needs of its customers. From flexible life insurance policies to cutting-edge retirement planning solutions, American United Life Insurance Company is committed to providing tailored solutions that empower individuals and families to achieve their financial goals.
Nationwide Presence and Local Support
With a vast network of licensed insurance professionals located across the United States, American United Life Insurance Company provides personalized support to its policyholders. Whether you prefer to connect with an agent in your local community or consult with a financial advisor over the phone or online, the company ensures that you have access to the guidance and support you need to make informed decisions about your financial future.
Experienced and Dedicated Professionals
American United Life Insurance Company is staffed by a team of highly experienced and dedicated professionals who are committed to providing exceptional customer service. Each member of the team is knowledgeable about the company’s products and services and is passionate about helping policyholders achieve their financial goals. Whether you have questions about your policy, need assistance with claims, or seek personalized guidance, American United Life Insurance Company’s professionals are there to support you every step of the way.
Community Involvement
American United Life Insurance Company believes in giving back to the communities it serves. The company actively supports numerous charitable organizations and initiatives that focus on improving the lives of others. Through its corporate social responsibility programs, American United Life Insurance Company makes a meaningful difference in the communities where its policyholders live and work.
Online Resources and Digital Tools
In addition to its nationwide network of agents and financial advisors, American United Life Insurance Company provides a comprehensive suite of online resources and digital tools that empower policyholders to manage their finances with ease. From secure online account access to mobile apps and interactive planning tools, American United Life Insurance Company makes it convenient for policyholders to stay informed about their policies and make informed decisions about their financial future.
Competitive Pricing and Value
American United Life Insurance Company is committed to providing competitive pricing without sacrificing quality or service. The company regularly reviews its product offerings and pricing to ensure that its policies remain affordable and accessible to individuals and families of all backgrounds. By offering competitive rates and exceptional value, American United Life Insurance Company empowers policyholders to protect their financial futures without breaking the bank.
Financial Education and Empowerment
American United Life Insurance Company believes that financial literacy is essential for individuals to achieve their financial goals. The company offers a wide range of educational resources and programs designed to empower policyholders and the broader community with the knowledge and skills they need to make informed financial decisions.
Through workshops, webinars, and online learning modules, American United Life Insurance Company provides accessible and engaging financial education to help individuals understand topics such as life insurance, retirement planning, and investment strategies. By fostering financial literacy, the company empowers policyholders to take control of their financial futures and make confident decisions about their money.
In summary, American United Life Insurance Company is a trusted and respected provider of life insurance and financial products and services. The company’s commitment to financial empowerment extends beyond its policyholders, as it actively supports financial literacy initiatives and gives back to the communities it serves. With its strong financial standing, innovative approach, and unwavering dedication to customer service, American United Life Insurance Company is well-positioned to continue providing peace of mind and financial security to individuals and families for years to come.
American United Life Insurance Company: A Foundation of Financial Stability
Financial Performance and Stability
American United Life Insurance Company maintains a strong financial position, consistently receiving high ratings from independent analysts.
A.M. Best Rating
Fitch Ratings
Moody’s Investors Service
S&P Global Ratings
High-Quality Investments
American United Life Insurance Company manages a diversified investment portfolio, ensuring a solid foundation for policyholder obligations.
Captive Reinsurance Subsidiary
American United Life Insurance Company operates a captive reinsurance subsidiary, AUL Reinsurance Company, Ltd. (AUL Re).
Robust Claims-Paying Ability
American United Life Insurance Company boasts a proven track record of promptly and fairly paying claims.
Customer-Focused Approach
American United Life Insurance Company prioritizes customer satisfaction and convenience.
Strong Commitment to Diversity and Inclusion
American United Life Insurance Company is dedicated to fostering a diverse and inclusive workplace.
Corporate Social Responsibility
American United Life Insurance Company recognizes the importance of giving back to the communities it serves.
American United Life Insurance Company: Your Financial Lifeline
Understanding Your Insurance Needs
Navigating the complexities of life insurance can be overwhelming, but American United Life Insurance Company stands as a beacon of financial security, guiding you towards tailored solutions that meet your unique needs. From providing loved ones with financial protection to ensuring a comfortable retirement, American United has your back.
A Legacy of Strength and Stability
Established in 1877, American United boasts an impressive reputation built on unwavering financial strength. With over $2 billion in assets and a substantial surplus, the company exudes stability and reliability, guaranteeing peace of mind for policyholders.
Customizable Coverage for Every Stage
American United offers a diverse array of insurance products to cater to various life circumstances:
Financial Planning Tailored to You
Beyond insurance coverage, American United empowers you with access to financial professionals who will walk alongside you in your financial journey. They provide personalized guidance, helping you navigate complex financial decisions and achieve your long-term goals.
Dedicated Claims Support
When the unexpected occurs, you can count on American United’s dedicated claims support team. They work tirelessly to ensure that claims are processed swiftly and efficiently, delivering financial assistance when you need it most.
Community Involvement
American United believes in giving back to the communities it serves. Through charitable initiatives and volunteer efforts, the company actively engages in supporting educational programs, healthcare initiatives, and disaster relief efforts.
Your Trusted Financial Partner
American United Life Insurance Company is your trusted financial partner, providing a comprehensive suite of solutions to safeguard your financial well-being. With a steadfast commitment to excellence, the company continues to be the pillar of financial security for generations to come.
Understanding Your Life Insurance Coverage
Life insurance is a crucial aspect of financial planning, ensuring financial protection for your loved ones in the event of your passing. American United offers a range of life insurance plans, including:
Term Life Insurance
Term life insurance provides coverage for a specified period, typically ranging from 10 to 30 years. It offers affordable premiums and is ideal for temporary needs, such as protecting young children or paying off a mortgage.
Whole Life Insurance
Whole life insurance provides coverage for your entire life, building cash value over time. It offers higher premiums than term life but can serve as a long-term investment and a source of supplemental income during retirement.
Universal Life Insurance
Universal life insurance offers flexible coverage and premiums, allowing you to adjust your policy to meet changing life circumstances. It provides access to cash value that can be used for various purposes, such as education funding or retirement savings.
Variable Life Insurance
Variable life insurance links your coverage to the performance of investment funds. It offers the potential for higher returns but also exposes you to market fluctuations.
Choosing the Right Life Insurance Plan
Selecting the optimal life insurance plan depends on several factors, including your income, financial obligations, and long-term goals. Your American United financial professional can guide you through the process, ensuring you make an informed decision that aligns with your financial aspirations.
American United Life Insurance Company: A Name You Can Depend On
Company Overview
American United Life Insurance Company, also known as AUL, has been providing financial protection and peace of mind to individuals and families across the United States for over a century. With a long-standing commitment to reliability and customer satisfaction, AUL has built a solid reputation as a trusted insurer.
Financial Stability
As a testament to its financial strength and stability, AUL has consistently earned high ratings from leading credit rating agencies, such as AM Best and Fitch Ratings. These ratings provide assurance that AUL has the financial resources to meet its insurance obligations, even during challenging economic times.
Wide Range of Insurance Products
AUL offers a comprehensive suite of insurance products to meet the diverse needs of its customers. From life insurance to annuities and long-term care insurance, AUL provides solutions to protect against a range of financial risks.
Life Insurance Coverage
AUL offers various life insurance policies, including term life insurance, whole life insurance, and universal life insurance. Each policy is designed to provide financial protection for beneficiaries in the event of the insured’s death.
Annuities for Retirement Income
AUL offers a range of annuity products that can provide a guaranteed stream of income for retirees. These annuities can help supplement pension plans and Social Security benefits, ensuring a comfortable retirement.
Long-Term Care Insurance
AUL also provides long-term care insurance policies to help cover the costs of long-term care services, such as nursing home care or home health care. These policies provide peace of mind and financial assistance when faced with the challenges of aging.
Customer Service and Support
AUL is committed to providing exceptional customer service. Its team of licensed agents and customer care representatives is dedicated to answering questions, processing claims, and providing support throughout the insurance process.
Online Accessibility
In addition to its traditional sales channels, AUL offers online options for managing insurance policies and accessing customer service. Policyholders can conveniently pay premiums, submit claims, and review their account information online.
Community Involvement
AUL actively supports its local communities and charitable organizations. Through its Corporate Social Responsibility program, the company contributes to educational initiatives, community development projects, and health-related causes.
Product Highlights Table
| Product | Benefits |
|---|---|
| Term Life Insurance | Provides affordable coverage for a specific period |
| Whole Life Insurance | Offers lifetime coverage and cash value growth potential |
| Universal Life Insurance | Provides flexibility in both coverage and premiums |
| Fixed Annuities | Guarantees a fixed interest rate and a predictable income stream |
| Variable Annuities | Offers potential for higher returns but with market risk |
| Long-Term Care Insurance | Covers expenses related to long-term care services |
Industry Recognition
AUL has been recognized for its excellence in the insurance industry. The company has received numerous awards and accolades, including:
American United Life Insurance Company: Your Source for Peace and Stability
A Legacy of Trust and Security
American United Life Insurance Company (AUL) has been providing peace of mind to its customers for nearly a century. Founded in 1929, AUL is a reputable life insurance carrier that offers a wide range of products to meet the diverse needs of families and businesses.
Financial Strength and Stability
AUL’s financial stability is a testament to its commitment to its policyholders. The company maintains a strong financial foundation with consistently high ratings from independent rating agencies:
Exceptional Customer Service
AUL is renowned for its exceptional customer service, providing personalized support every step of the way:
Diverse Product Portfolio
AUL offers a comprehensive range of life insurance products to suit various needs:
42 Options to Customize Your Coverage
AUL’s 42 optional riders allow you to tailor your policy to meet specific financial needs:
Table of Optional Riders
| Rider Type | Description |
|---|---|
| Accelerated Death Benefit | Provides early access to death benefit in case of critical illness |
| Waiver of Premium | Suspends premium payments due to disability |
| Accidental Death Benefit | Provides additional coverage in case of accidental death |
| Guaranteed Insurability | Allows you to purchase additional coverage without medical underwriting |
Innovation and Technology
AUL embraces technology to enhance the customer experience:
Advocacy for Education and Financial Literacy
AUL actively promotes financial education and literacy through partnerships with:
Commitment to Community
AUL believes in giving back to the communities it operates in:
American United Life Insurance Company: A Promise of Financial Well-being
A Legacy of Trust and Reliability
Founded in 1929, American United Life Insurance Company has established itself as a trusted and reliable provider of financial solutions for over nine decades. With a strong presence in the United States, the company is renowned for its unwavering commitment to customer satisfaction and financial stability.
Comprehensive Range of Insurance Products
American United Life Insurance Company offers a comprehensive suite of insurance products tailored to meet the diverse needs of individuals, families, and businesses. From life insurance to health insurance, annuities to retirement savings plans, the company provides customizable solutions to protect and enhance financial well-being.
Financial Strength and Stability
American United Life Insurance Company boasts a solid financial foundation with strong ratings from independent agencies such as A.M. Best, Moody’s, and Standard & Poor’s. This financial strength ensures that policyholders can rely on the company to fulfill its obligations, providing peace of mind and financial security.
Exceptional Customer Service
At American United Life Insurance Company, customer satisfaction is paramount. The company’s dedicated team of professionals is committed to providing exceptional service, offering personalized guidance and tailored solutions to meet individual needs. Their responsiveness and empathy make them a trusted partner in navigating financial decisions.
Dedicated to Community Involvement
Beyond its insurance offerings, American United Life Insurance Company actively supports its communities through various initiatives. The company believes that giving back and fostering social responsibility is an integral part of its commitment to the well-being of society.
Affordability and Value
American United Life Insurance Company offers competitive rates and premiums, ensuring affordability for individuals and families. The company’s focus on value extends beyond price, with a commitment to providing exceptional coverage and innovative products that meet the evolving needs of clients.
Growth and Innovation
American United Life Insurance Company embraces innovation and technology to enhance its products and services. The company continuously invests in research and development to deliver cutting-edge solutions that meet the changing demands of the insurance landscape.
Commitment to Transparency
American United Life Insurance Company operates with the utmost transparency and integrity. The company values clear communication and disclosure, ensuring that policyholders have a complete understanding of their coverage and financial commitments.
A History of Distinction
Over the years, American United Life Insurance Company has received numerous accolades and awards for its dedication to customer service, financial strength, and industry leadership. These recognitions are a testament to the company’s unwavering commitment to excellence.
Building a Secure Financial Future
Choosing American United Life Insurance Company is a wise investment in your financial future. The company’s commitment to providing comprehensive insurance solutions, exceptional customer service, and financial stability gives individuals and families the confidence they need to plan for the unexpected and achieve their financial goals.
American United Life Insurance Company (AUL): A Comprehensive Overview
American United Life Insurance Company (AUL) is a renowned carrier that has been safeguarding families and businesses with various insurance solutions since 1877. Headquartered in Indianapolis, Indiana, AUL is licensed in all 50 states and offers a diverse range of coverage options to meet the specific needs of its clientele.
AUL is known for its financial stability and dependability. It has consistently received high ratings from independent rating agencies such as A.M. Best, which recently affirmed AUL’s financial strength rating of “A” (Excellent) with a stable outlook. This rating signifies AUL’s strong ability to meet its financial obligations and provide peace of mind to its policyholders.
People Also Ask About American United Life Insurance Company
Does AUL Offer Term Life Insurance?
Yes, AUL provides term life insurance, which offers affordable protection for a specified period (e.g., 10, 20, or 30 years). This type of insurance can provide financial security for families in the event of the policyholder’s death during the coverage period.
What are the Benefits of Choosing AUL?
AUL provides several benefits to its policyholders, including: