One America Whole Life Insurance for Your Future

One America Whole Life Insurance is a type of permanent life insurance that covers you for your entire lifetime, as long as premiums are paid. This means that your coverage doesn't expire, and you can use it to create a lasting legacy for your loved ones.

The policy's cash value grows over time, allowing you to borrow against it or withdraw funds as needed. This feature can be especially helpful in times of financial emergency or to supplement your retirement income.

With One America Whole Life Insurance, you can also choose from a variety of riders to customize your coverage to fit your specific needs. For example, you can add a long-term care rider to help pay for assisted living or in-home care.

Worth a look: Long Term Care Insurance vs Life Insurance

OneAmerica offers a range of whole life insurance products, including Whole Life 95, Whole Life 121, and Whole Life Select.

Their whole life products provide strong guarantees, death benefits, cash value growth, and tax advantages.

You can choose from various payment periods with OneAmerica, allowing financial professionals to tailor a policy to a client's specific financial planning needs.

The company's products also offer many riders, such as the Indexed Dividend Option and the Survivor Purchase Option, which provide an opportunity for greater customization for client needs.

OneAmerica continues to allow policyholders to choose from various payment periods, including single pay, 10-pay, 20-pay, pay to age 65, and pay to age 70.

Their Whole Life Select product offers a Loan Interest Rate Limitation Rider, one of the industry's only provisions to help prevent unintentional lapse of the policy due to loans and loan interest.

OneAmerica's whole life policies aren't subject to the ups and downs of the stock market.

Here are some key features of OneAmerica's whole life insurance options:

OneAmerica's whole life policies offer flexibility and customization options to meet a variety of financial planning and protection needs.

OneAmerica Life Insurance offers a range of whole life products that prioritize flexibility and customization.

Their product portfolio provides strong guarantees, death benefits, cash value growth, and tax advantages.

Policyholders can choose from various payment periods, allowing financial professionals to tailor a policy to a client's specific financial planning needs.

OneAmerica's whole life products also make available many riders, which provide an opportunity for greater customization for client needs.

The Indexed Dividend Crediting Option (IDO) Rider allows policyholders to earn up to double their dividend in any given year by selecting all or a portion of their dividend to be connected to S&P 500 performance.

If the market underperforms, all whole life guarantees remain in place, and the dividend can never be negative.

OneAmerica is the only company to offer a potential increased dividend based on an external index.

Financial professionals can use the IDO Rider to accelerate cash growth on whole life policies without imposing extra premiums or sacrificing the guarantees that make whole life an attractive option.

Intriguing read: Dividend Whole Life Insurance

The Paid-Up Additions Rider (PUAR) offers one of the lowest up-front load charges in the industry at 6%.

Policyholders benefit from this rider by using more of each payment in the purchase of whole life insurance.

OneAmerica's financial strength enables their distribution partners to meet the needs of their clients.

To determine how much life insurance you need, you should consider how much income and other contributions you make to your family. Life insurance can replace some or all of these contributions if you're no longer around.

Your Economic Life Value can help you estimate how much life insurance you may need. The calculator shows three methods for approximating your Economic Life Value.

Your Economic Life Value takes into account your income, age, and other factors to give you a more accurate estimate. This will help you make a more informed decision about how much life insurance you need.

OneAmerica Life Insurance Products offer a range of options to meet your individual needs. Their modernized whole life product portfolio is designed to provide flexibility and customization opportunities.

OneAmerica's whole life products continue to offer strong guarantees, death benefits, cash value growth, and tax advantages. The company has made adjustments to their product designs to better meet the needs of today's clients.

A key feature of OneAmerica's whole life products is the ability to choose from various payment periods, allowing financial professionals to tailor a policy to a client's specific financial planning needs. This flexibility is a testament to OneAmerica's commitment to providing affordable whole life coverage.

OneAmerica's whole life products also make available many riders, which provide an opportunity for greater customization for client needs. Some highlights include the Indexed Dividend Option and the Survivor Purchase Option, which can present advantages for long-term estate preservation.

Here are some of the key riders available with OneAmerica's whole life products:

OneAmerica's financial strength enables their distribution partners to meet the needs of their clients. Their products are designed to stand the test of time, providing a solid foundation for long-term financial planning.

When choosing a life insurance policy, it's essential to consider your specific needs and goals. Term life insurance offers straightforward protection, allowing you to choose a coverage amount and duration that fits your needs.

Term policies provide a guaranteed payment if you pass away during the chosen term, giving you peace of mind. This type of insurance is a great option for those who need coverage for a specific period, such as until their children are financially independent.

Whole life insurance, on the other hand, offers guaranteed lifelong protection and cash value growth. This type of policy can be used to help leave a legacy or for a variety of other purposes, depending on your situation and needs.

Whole life policies also have the potential to earn dividends, which can enhance your policy's performance or lower your premiums. This can be a significant benefit, especially for those who want to make the most of their investment.

Check this out: A Whole Life Insurance Policy Offers Protection

Variable Universal Life (VUL) insurance is a type of permanent protection that offers flexibility and growth potential. With VUL, you can invest your policy's cash value across a wide range of options, making it a versatile solution for meeting various financial planning and protection needs.

Here are the main types of life insurance to consider: