OneAmerica Insurance Review & Complaints: Life Insurance (2024)
OneAmerica insurance policies include life insurance, long-term care, annuities, disability, and other retirement/workplace benefits. Although OneAmerica insurance quotes are not available on its website, you can find A+ OneAmerica insurance company reviews on the Better Business Bureau website. The OneAmerica Insurance rating with A.M. Best is an A+.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Nov 27, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Focusing on life insurance and retirement, OneAmerica offers a range of products to both individuals and as group plans. Their products include disability insurance, long-term care, and annuities.
This OneAmerica insurance review will cover life insurance products as well as OneAmerica insurance ratings and customer reviews.
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About OneAmerica Insurance Company
OneAmerica was founded in 1877 by the Knights of Pythias, and renamed American Central Life Insurance Company in 1899. The Indianapolis-based insurance company became American United Life Insurance Company in 1957.
In the 1970s, the company began plans for a new tower to be built in Indianapolis, in which they moved into in 1982. The OneAmerica tower remains a landmark in the city and one of the tallest buildings in the nation.
In 2000 the company reorganized into a mutual holding company and created both American United Mutual Insurance Holding Company and OneAmerica Financial Partners Inc. Through acquisitions and mergers the company has continued to grow and remain a strong force in the life insurance and retirement planning industry. OneAmerica insurance careers and opportunities have grown as well.
Products are sold through financial planning professionals and agents across the nation. The OneAmerica Insurance phone number is 800-249-6269, and you can use a OneAmerica insurance login to view policies online.
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OneAmerica Insurance Products
OneAmerica offers life insurance, long-term care, annuities, disability, and other retirement and workplace benefits products. Some products are only available through employers, while others are offered only to individuals.
Life Insurance
Whole life insurance, term life insurance, and universal life insurance plans are all offered to individuals. The website does not offer much in the way of details on these products, rather giving basic overviews of the products and inviting visitors to contact an agent for more information.
Issue age for term life is between 18 and 80, with term lengths up to 30 years available. Term policies can be renewed or converted. Both whole and universal life policies offer lifetime coverage, with cash accumulation accounts and several rider options.
The website indicates that policy availability, as well as riders offered, will differ from state to state.
Both group life insurance and business life policies are issued to businesses, but little detail is offered on these products.
Annuities
OneAmerica offers fixed annuities to individuals to provide tax-deferred, stable retirement income. The company does not offer variable annuities and does not give much detail regarding these investments.
Long-Term Care
OneAmerica long-term care policies aren’t offered separately, but instead the company writes this life insurance product with long-term care as an added benefit. They also suggest annuities as a long-term care option.
Disability Income
This is offered only as an employer-sponsored benefit. Details are not offered on the product itself or what kind of coverage it provides. The website offers mainly the benefits to employers of providing this product to their employees.
Other Products
There is a range of other employer and workplace benefits that are offered, with many as packages. OneAmerica also offers retirement services and assistance to employers as part of a benefits package to assist employees with preparing for retirement.
OneAmerica Insurance Rates
OneAmerica does not offer an online quoting option and directs customers to speak to an agent for quotes and policy information. As a highly agent-driven company, it is not surprising that online quoting is not available, although in today’s market it has come to be expected and is a real advantage for companies when recommending them.
It is likely that this company sees a lot of its business through employer-sponsored products as well as through agent referrals. The website is not geared towards assisting individuals who are comparison-shopping for coverage.
Oneamerica Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
OneAmerica insurance offers a straightforward claims process with multiple channels for filing a claim. Policyholders can file claims through dedicated phone numbers, fax, or email, depending on the type of product they hold.
While OneAmerica doesn’t provide an online claims submission option, the company offers clear instructions and a FAQ section on its website, making it easy for beneficiaries and policyholders to understand the process.
Average Claim Processing Time
OneAmerica strives to provide efficient claim processing, but the average processing time may vary depending on the complexity of the claim and the specific product.
Policyholders should contact the company’s customer service for information on the expected processing time for their particular claim. Despite not offering an online claim submission option, OneAmerica is transparent about the claims process, which can help expedite resolution.
Customer Feedback on Claim Resolutions and Payouts
OneAmerica has received positive feedback from customers regarding its claim resolutions and payouts. The company holds an A+ rating with the Better Business Bureau (BBB), indicating a track record of satisfactory claim handling.
While there have been some complaints filed with the BBB, they represent a small portion of the company’s customer base, and many of the concerns have been addressed. Additionally, the A.M. Best rating of A+ reflects OneAmerica’s strong financial standing, instilling confidence in its ability to fulfill claim obligations.
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Oneamerica Insurance Digital and Technological Features
Mobile App Features and Functionality
OneAmerica offers a mobile app that provides policyholders with convenient access to their insurance information and accounts. The app likely includes features for viewing policy details, making premium payments, and contacting customer support. While specific app features may vary, it is designed to enhance the overall customer experience by allowing for easy management of policies on the go.
Online Account Management Capabilities
Policyholders can manage their accounts and policies online through the OneAmerica website. The online portal likely offers features such as policy viewing, premium payment options, and the ability to update personal information.
Online account management adds convenience for customers, allowing them to make changes and access important information without the need for a phone call or in-person visit.
Digital Tools and Resources
OneAmerica provides various digital tools and resources to assist customers in understanding their insurance coverage and making informed decisions. These tools may include calculators for estimating insurance needs, educational articles, and resources for retirement planning.
OneAmerica’s commitment to offering digital resources underscores its dedication to helping customers navigate the complexities of insurance and retirement planning.
With a strong emphasis on customer service and digital accessibility, OneAmerica strives to meet the needs of policyholders by simplifying the claims process and offering user-friendly technological features.
OneAmerica Insurance Reviews and Ratings
OneAmerica has a Better Business Bureau (BBB) rating of A+. There are currently 20 complaints on file in the past three years. Of those complaints, half were filed in the past year.
There are four negative reviews of OneAmerica on Yelp. These reviews have a common thread of problems with the website and customer service. Overall, the volume of complaints is not high nor is it concerning.
We were unable to find further OneAmerica company reviews on the usual websites, and this is likely due to the fact that so much of this company’s business comes in through employer benefits, and complaints tend to go through HR departments.
OneAmerica Insurance’s rating with A.M. Best is A+, or Superior, indicating a decent financial strength rating.
OneAmerica Insurance: The Bottom Line
With little information on OneAmerica’s products and rates, it is difficult to form a clear opinion. This is likely the sort of company people come to through an employer or a financial advisor recommendation, and may provide good products and service – however, we are unable to come to a strong conclusion.
Now that you know all about OneAmerica insurance, compare life insurance quotes for free. Use our quote tool below to get quotes from multiple companies at once.
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Frequently Asked Questions
What types of insurance policies does OneAmerica offer?
OneAmerica offers a range of insurance policies, including life insurance, long-term care, annuities, disability, and other retirement/workplace benefits.
Can I get a quote for OneAmerica insurance policies online?
No, OneAmerica does not provide online quotes on its website. To get a quote, you will need to contact an agent directly.
Where can I find reviews of OneAmerica insurance company?
You can find reviews of OneAmerica insurance company on the Better Business Bureau (BBB) website. OneAmerica has an A+ rating with the BBB.
What is OneAmerica’s rating with A.M. Best?
OneAmerica has an A+ rating with A.M. Best, indicating a superior level of financial strength.
Does OneAmerica offer life insurance products for individuals?
Yes, OneAmerica offers whole life insurance, term life insurance, and universal life insurance plans for individuals. These policies provide lifetime coverage, cash accumulation accounts, and various rider options.
How can I file a claim with OneAmerica insurance?
To file a claim with OneAmerica insurance, you can contact their customer service through the provided toll-free phone numbers, fax numbers, or email addresses, depending on the product. There is no option to file a claim online.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.