THG Experienced Agent Recruiting Guide

DISCOVER THE DIFFERENCE

People. Passion. Purpose.

TABLE OF CONTENTS PLEASE FEEL FREE TO CLICK ON ANY OF THE BULLETS BELOW TO JUMP TO THAT SPECIFIC CHAPTER. RETURN TO THE TABLE OF CONTENTS BY CLICKING ON 'BACK TO THE TABLE OF CONTENTS' AT THE END OF EACH CHAPTER.

•

ABOUT THG

•

REWARDS & RECOGNITION

•

COMPENSATION & BENEFITS

•

ONEAMERICA SECURITIES

•

ABOUT ONEAMERICA

•

PRODUCTS

®

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®

People. Passion. Purpose.

ABOUT THG thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

thgfinancial.com

contactus@thgfinancial1.com ∣ 630.491.4040

thgfinancial.com

contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

thgfinancial.com

contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

thgfinancial.com

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People. Passion. Purpose.

thgfinancial.com

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People. Passion. Purpose.

Culture Manifesto People: There are specific people that will thrive in THG’s culture, and others not so much.

Honorable

individuals that lead with the truth- even when it’s hard to say- find a home. THG attracts folks that accept

Personal Responsibility for their destiny and benefit from an own it attitude towards life;

supporting a relationship of mutual dependability. they seek to be

Enterprising individuals engage highly with THG as

Leveraged within the resources and the team environment.

We consistently seek and

support the people that find the upmost appropriateness in THG’s intentional culture.

Passion: All our relationships count. It’s the reason we look at every advisor as a client. It’s about them and their individual plan. No two people are the same and THG support is customized to create intentional experiences and hand deliver the necessary resources that each individual requires. In addition, THG casts a wide web of motivation that creates excitement and opportunities in various ways for all to strive for.

Our end game is THG’s Monopoly Culture. Once its gravity is experienced, a craving develops, and all other options disappear.

Purpose: THG is built for the entrepreneur. Those who want to be in charge of their own destiny, run their own business and call their own shots find a home with THG. Utilizing coaching, resources, and leverage, entrepreneurs can maximize their time and energy to be most productive.

We live too much life at work to be unhappy there, and THG’s intentional culture delivers both fun and success.

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REWARDS & RECOGNITION thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

THG REWARDS & RECOGNITION GRID 2022 EDITION

RECOGNITION PROGRAM

OneAmerica Fast—Track (IF APPLICABLE)

QUALIFICATION PERIOD

QUALIFICATION BREAKDOWN

REWARDS

Initial (90) Days

$6,000 FYC / (10) LIFE LIVES

Initial (6) Months

$12,000 FYC / (20) LIFE LIVES

LAP LEADER:

$500 & Award Bar

Initial (12) Months

$24,000 FYC / (40) LIFE LIVES

CHECKERED FLAG:

$1000 & Award Bar

Initial (12) Months

*$60,000 FYC / (100) LIVES

SERIES CHAMPION:

IndyCar Weekend Trip

POLE POSITION:

$250 & Trophy

FIRST PARTIAL-FIRST FULL YEAR RULE (CONTRACTED 02.01.2021—12.31.2022)

*$50,000 FYC / (13) LIVES

OneAmerica Leader’s Conference

SECOND FULL YEAR RULE

January 1st—December 31st

(QUALIFIED IN YOUR FIRST PARTIAL YEAR) 02.01.2020—12.31.2020

NASHVILLE, TENNESSEE

*$60,000 FYC / (16) LIVES 2020 OR EARLIER CONTRACT YEAR

*$75,000 FYC / (20) LIVES

OneAmerica Chairman‘s Conference

OneAmerica LIFE Lives Bonus Leader OneAmerica Success Rewards FYC = FIRST YEAR COMMISSIONS

January 1st—December 31st

January 1st—December 31st

January 1st—December 31st

*$200,000 FYC / (15) LIVES

MADRID, SPAIN

(50) LIVES

$750 Level

(60) LIVES

$1,000 Level

(75) LIVES

$1,500 Level

(100) LIVES

$2,000 Level

(150) LIVES

$3,000 Level

(200) LIVES

$5,500 Level

$75,000 FYC

BRONZE LEVEL:

$1,250 Annual Allowance

$90,000 FYC

SILVER LEVEL:

$2,500 Annual Allowance

$120,000 FYC

GOLD LEVEL:

$5,000 + $1,000 BONUS Allowance

*50% MUST BE LIFE-BASED PRODUCTION

THG REWARDS & RECOGNITION GRID 2022 EDITION

RECOGNITION PROGRAM

THG Summer Educational Conference

QUALIFICATION PERIOD

QUALIFICATION BREAKDOWN *$27,500 PAID OA LIFE FYC

January 1st—June 30th

IF HIRED AFTER APRIL 1ST,

REWARDS

LAKE LAWN RESORT LAKE DELEVAN, WISCONSIN

*$13,750 PAID OA LIFE FYC BRONZE LEVEL

Club Recognition, Annual Club Gift,

**$35,000 LIFE FYC

(4) Social Events

SILVER LEVEL

10% Annual LIFE BONUS, 5% Annual GDC BONUS, Club Recognition, Annual Club Gift, Silver Medallion, Shield Medallion Frame,

THG Club

January 1st—December 31st

**$65,000 LIFE FYC

GOLD LEVEL

(4) Social Events

20% Annual LIFE BONUS, 10% Annual GDC BONUS, Club Recognition, Annual Club Gift,

**$90,000 LIFE FYC

THG Agent Referral Bonus

Within FIRST (90) Days of a Full-Time Contract OR Pre-Contract Date, for Referred Candidate

$6,000 PAID LIFE FYC (5) PAID LIFE LIVES

Gold Medallion, (4) Social Events

$5,000 BONUS (For Referring Agent)

THE FOLLOWING EXCLUSION APPLIES: FOR THG AGENT REFERRAL BONUS: High Potentials, AVPs, VPs, & SVPs of the THG L.E.A.D. Matrix are NOT Eligible (Referring Agent CAN Participate in OneAmerica’s “I Believe” Program, as well as the THG “Agent Referral Bonus” Program) (Referring Associate MUST BE Affiliated with THG at the Time of Qualification)

FYC = FIRST YEAR COMMISSIONS

**COHEN & ASH BROKERAGE BUSINESS WEIGHTED AT 25%

SUCCESS REWARDS OneAmerica® believes in ‘The Power of You’ and your vision for a career with us. Success Rewards celebrates you and your commitment to excellence as you build your practice and help clients prepare for a brighter financial future.

Success Rewards provides you the ability to use allowances and special benefits, based on your level of production, that can help you achieve new levels of success.

AVAILABLE RESOURCES FOR CAREER AGENTS SUCCESS REWARDS BENEFIT

Annual Allowance & Qualifications: •

Points are earned at 1% per $100 of monthly production in excess of $9,000 QFYC

•

Redeemable Online ( http://www.oarewards.net )

Priority Toll-Free Number: •

$5,000 + $1,000

Allowances can be used to reimburse investments Bonus Rewards Points you make to build your practice. ($120,000 QFYC)

Reward Points: •

GOLD LEVEL

A 1-800 number with (5)-digit personal ID number for priority placement exclusive to Success Rewards Members.

SILVER LEVEL

$2,500

BRONZE LEVEL

$1,250

($90,000 QFYC) ($75,000 QFYC)

SUCCESS REWARDS REDEEMING REWARD POINTS AS A CAREER AGENT Reward points are managed by Xceleration and provide you the following easy access:

•

Easy viewing of points and shopping online Access to the rewards site (http:www.oarewards.net) by using your login ID and password Online updates of points totals by the 20th of each month

•

Monthly updates of points totals by email

•

For password-related issues or points balances, contact Xceleration at 1.866.531.4887

• •

HOW YOUR ALLOWANCE WORKS FOR YOU Most business development investments are eligible for the program. The following are a few ideas of how you might use your allowance: (YOU ARE NOT LIMITED TO THESE ITEMS)

•

Approved Economics-Based Tools Travel to Approved Economics-Based Tools OR OneAmerica Seminars/Symposiums Travel/Registration to Approved Industry Meetings

•

Approved Insurance Seminars and Classes

•

Insurance Magazine Subscriptions

•

Computer/Office Equipment

•

OneAmerica Approved Software

•

Assistant’s Expenses to Attend the Professional Administrator's Symposium

•

Copytalk® Dictation System

•

Compliance Approved Websites

•

Advertising/Client Newsletters

•

Sales Leads

•

Postage/Stationary

• •

If you want assurance that your practice development investment is eligible for reimbursement, please email OneAmerica at careeragencydistribution@oneamerica.com before making your purchase.

For reimbursement, email careeragencydistribution@oneamerica.com and a check will be mailed to you.

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COMPENSATION & BENEFITS thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

THG PERKS

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People. Passion. Purpose.

OneAmerica Life Insurance Commission Payout Examples in Year One:

1. $5,000 20 Year Term Premium — 60% Base Commission Payout: $3,000

— 65% New Agent Bonus: $1,950

2. $5,000 30 Year Term Premium

TOTAL 99% PAYOUT: $4,950

— 65% Base Commission Payout: $3,250 — 65% New Agent Bonus: $2,112

3. $5,000 Premium Legacy Whole Life

TOTAL 107% PAYOUT: $5,362

— 55% Base Commission Payout: $2,750 — 65% New Agent Bonus: $1,787 TOTAL 90.75% PAYOUT: $4,537

4. $125,000 One-Time Asset Care Dump-In — 5.5% Base Commission Payout: $6,875 — 65% New Agent Bonus: $4,468 TOTAL 9% PAYOUT: $11,343.75

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People. Passion. Purpose

Career Investment Details Registered Representatives Business Essentials

Monthly Investment Annual Investment

WBC (First-Time, First Year for 2022)

Covered by THG

OAS Broker/Dealer Technology Fee

$100.00

E&O Insurance...$1 Million, 2 MINIMUM (INCLUDES SERIES 7)

$1200.00 (Year 2+)

$1,200.00

Down Payment: $120.00 (*$60.30 Monthly)

$723.00

Personal Computer/Tablet—PLEASE PROVIDE YOUR OWN

Securities Transition

Agent Signature

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One-Time Investment FINRA Registration

$100.00

Finger—Prints

$47.00

Illinois Securities Registration

$150.00

IAR Registration

$150.00

“YES” Answer on U4

$110.00

Date

People. Passion. Purpose.

Career Investment Details Non-Registered Representatives Business Essentials

Monthly Investment Annual Investment

WBC (First-Time, First Year for 2022)

$1200.00

Covered by THG

OA Email Hosting Fee

(Year 2+)

$22.00

E&O Insurance...$1 Million, 2 MINIMUM (EXCLUDES SERIES 7)

$264.00

Down Payment: $101.00 $607.00

(*$50.60 Monthly)

Personal Computer/Tablet—PLEASE PROVIDE YOUR OWN

Approximate Fixed Licensing Costs Life, Accident, & Health Course (PAID for by THG if using ExamFX)

One-Time Investment

Monthly Investment

Annual Investment

$39.95 + Shipping

NA

NA

Life: General & State Test Fee*

$92.00**

NA

NA

Accident & Health: General & State Test Fee*

$92.00**

NA

NA

Life, Accident, & Health State License Fee*

NA

$215.00

Non-Resident State License Fee

NA

$380.00

*Reimbursed Upon Career Agent Contract Start **Each examination is priced at $92. Candidates are now required to take two individual examinations to obtain a license, a General examination and a State examination, candidates will receive a discount of $92 providing that the two associated exams for the license are processed on the same order. If the General examination and State examination for a line are ordered separately the candidate will be charged $92 for each examination. The discount only applies to 2 examinations for the same line on the same order.

Agent Signature

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Date

People. Passion. Purpose.

EMPLOYEE BENEFITS COMPENSATION

Compensation at a glance Standard compensation rates When you bring your business to OneAmerica®, your reward is more than just happy customers. Here’s how you’ll be compensated.

Voluntary Life and Voluntary Disability insurance Premium First year % as agreed in broker agreement Commission rate

Renewal

% as agreed in broker agreement

Group Life & Short-term Disability insurance (10 or more insureds) — Schedule C $10,001 $20,001 $30,001 $40,001 $0 to $10,000 to $20,000 to $30,000 to $40,000 to $70,000 Annual premium 8% 4% 2.75% 2.50% Commission rate 10% Long-term Disability insurance (10 or more insureds) — Schedule D $0 to $15,000 $15,001 to $25,000 Annual premium 15% 10% Commission rate Legacy Whole Life insurance (three options) 14% Flat commission rate First year: 35% Small heap Years 2–10: 10% Years 11+: 4% First year: 90% Large heap Years 2+: 2% Note: Percentages are based on the amount of premium received for each policy year.

Ready to earn more?

Contact your OneAmerica sales representative and get started today!

$70,001 to $100,000 2%

$25,001 to $30,000 5%

$100,001 or more 0.75%

$30,001 or more 1%

Small business group and employer-paid traditional group life, STD/LTD 2 to 9 insureds 15% Commission rate Small business voluntary life, LTD, STD, One Lump Sum 2 to 99 insureds 15% Commission rate

Casey Meyer Regional Sales Director Chicago (331) 625-2529 casey.meyer@oneamerica.com

is the marketing name for the companies of OneAmerica | OneAmerica.com

1 of 2

© 2016 OneAmerica Financial Partners, Inc. All rights reserved.

G-24045 10/07/16

EMPLOYEE BENEFITS COMPENSATION

Notes: Products issued and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica company.

Not available in all states or may vary by state.

This advertisement replaces all prior broker compensation promotional materials for AUL’s group insurance products.

Compensation offered and approved by American United Life Insurance Company® (AUL), in writing will be paid based upon premium received by AUL (i.e., on an as-earned basis).

Following a broker’s satisfactory services and written approval, authorization and appointment by AUL, a broker can be offered compensation based upon the premium received by AUL for the group insurance product(s) issued to policyholders for which the broker has been designated agent of record by the policyholder.

Premium is normally defined as gross written premium less adjustments and refunds on cancellations or terminations.

The underlying broker contract will ultimately outline the terms and conditions of any relationship with AUL. All terms, conditions and provisions of the underlying broker contract and group commission agreement shall not be modified or amended by this promotional piece. If there is a conflict between the provisions in the broker contract, the group commission agreement and this promotional piece, then the provisions expressly contained in the broker contract and group commission agreement shall govern.

is the marketing name for the companies of OneAmerica | OneAmerica.com

2 of 2

© 2016 OneAmerica Financial Partners, Inc. All rights reserved.

G-24045 10/07/16

Individual Compensation Schedule Career Agent

OneAmerica® One American Square PO Box 368 Indianapolis, IN 46206-0368 317-285-1877

The company will pay writing agent’s commissions and fees on individual insurance and annuity products to agents as shown in the following sections.

-

First year commissions (FYC) are a percentage of the annual premium unless otherwise indicated.

Agents will not receive first year or renewal commissions for any life policy that is on active waiver of premium.

Chargebacks will be in proportion to the amount by which the actual premiums, less any partial surrenders and loans, are less than the expected premiums.

Payment of First Year Commissions is subject to internal replacement rules. Please refer to the document, Operating Principles for Compensation and Underwriting on Internal Replacements/Exchanges.

Commissions in excess of $50,000 will be subject to special handling.

Products listed are subject to availability.

Whole Life – Whole Life 95, Whole Life 121 and Term Issued and Underwritten by American United Life Insurance Company® Base Coverage L-60 Issue Age 0-70 Issue Age 71-80 Issue Age 81-85

FYC 55.00% 45.00% 35.00%

Premier Term Rider T-247 10 Year 15 Year 20 Year 30 Year

50.00% 55.00% 60.00% 65.00%

Renewal Years (2-10) 5.00% 5.00% 5.00% 2.00% 2.00% 2.00% 2.00%

Service Fee Years (11+) N/A N/A N/A N/A N/A N/A N/A

Riders Paid Up Additions Rider (PUAR) and Enhanced Blended Insurance Rider (EBIR) 1 3.50% 3.50% 3.50% - Attained Ages 0-70 - Attained Ages 71-80 3.00% 3.00% 3.00% - Attained Ages 81-90 2.00% 2.00% 2.00% - Attained Ages 91-100 1.00% 1.00% 1.00% - Attained Ages 101 and up 0% 0% 0% Waiver of Premium Same as base coverage.

Guaranteed Insurability Option LR-117 and Children’s Benefit Rider LR-114 are paid the same as the base policy.

OneAmerica® Term T-2022 10 Year 15 Year 20 Year 30 Year

1 PUAR

50.00% 55.00% 60.00% 65.00%

N/A N/A N/A N/A

N/A N/A N/A N/A

and EBIR commissions will be paid based upon the attained age of the insured on the premium due date.

For company use only. Not for public distribution.

Subject to revision at the discretion of the Company.

Page 1 of 4

CA Comp Schedule Effective 3/15/2021

OneAmerica Premier Term T-2020 10 Year 15 Year 20 Year 30 Year

FYC 50.00% 55.00% 60.00% 65.00%

Renewal Years (2-10) 2.00% 2.00% 2.00% 2.00%

Service Fee Years (11+) N/A N/A N/A N/A

Whole Life Select - L-60 and L-60 SP for Single Pay Issued and Underwritten by American United Life Insurance Company® Single Pay Issue Age 18-70 Issue Age 71-80 Issue Age 81-85

FYC 4.00% 3.50% 2.50%

Renewal Years (2-10) N/A N/A N/A

10 Pay Issue Age 18-70 Issue Age 71-75

30.00% 25.00%

3.00% 3.00%

20 Pay Issue Age 0-70 Issue Age 71-75

50.00% 40.00%

4.00% 4.00%

Pay to 65 Issue Age 0-55 10 – 14 Pay 15 – 19 Pay 20 – 24 Pay 25 + Pay

30.00% 40.00% 50.00% 55.00%

3.00% 4.00% 4.00% 5.00%

Pay to 70 Issue Age 18-60 10 – 14 Pay 15 – 19 Pay 20 – 24 Pay 25 + Pay

30.00% 40.00% 50.00% 55.00%

3.00% 4.00% 4.00% 5.00%

Commissions paid in the first policy year are FYC. Renewal commissions are paid beginning in year two and continuing during the premium paying period or ten years, whichever is less.

For company use only. Not for public distribution.

Subject to revision at the discretion of the Company.

Page 2 of 4

CA Comp Schedule Effective 3/15/2021

Care Solutions Products FYC Asset Care® and Optional Riders 1 2 Single Pay Single Pay with Return of Premium Single Pay Annuity Funding Whole Life 3 Recurring Premium 4 5 Pay 10 Pay 20 Pay Pay-to-95

Renewal Years (2-10)

5.5% 5.5% 45.0%

N/A N/A N/A

20.0% 30.0% 50.0% 55.0%

2.0% 2.0% 2.0% 2.0%

Annuity Care® Issue Ages 50-75 Issue ages 76-85

4.0% 2.5%

N/A N/A

Annuity Care II

5.5%

N/A

Indexed Annuity Care® Issue Ages 40-75 Issue Ages 76-85

5.0% 4.0%

N/A N/A

Annuity Care Continuation of Benefits (COB) Rider Single and Recurring Premium

5.5%

5.5%.

Legacy Care® 5

1.5%

N/A

Immediate Care SPIA Fixed Period 5 - 6 years 7 - 8 years 9 - 20 years Life Contingent

1.0% 1.6% 2.6% 3.0%

N/A N/A N/A N/A

COB and other riders will be commissioned according to their pay periods.

Asset Care commission chargebacks will apply as follows: 100% of first year commission in cases of full surrender in the first 12 policy months; 50% of first year commission and 100% of renewal commission in cases of full surrender in policy months 13-24.

3 The commission payable on the life insurance policy total package premium (including riders) funded by annual withdrawals from the annuity is commissionable only in the first year.

4 For semi-annual and quarterly modes, a $1 processing fee will be deducted from commissionable premium.

5 Legacy Care commission chargebacks will apply to all commissions paid for surrenders because of death in the first contract year.

Commissions on Single Premium Drop-in Rider money is paid at the Single Pay rate.

1 2

Note: Care Solutions products are issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica® company that offers the Care Solutions® product suite. Asset Care® Form numbers: ICC18 L302; ICC18 L302 JT; ICC18 L302 SP; ICC18 L302 SP JT. Not available in all states or may vary by state.

For company use only. Not for public distribution.

Subject to revision at the discretion of the Company.

Page 3 of 4

CA Comp Schedule Effective 3/15/2021

Fixed Annuities Issued by American United Life Insurance Company® Secure Income Stream1 (FDIA) LA-33 Issue ages 0-75 Issue ages 76-83

FYC 3.50% 2.50%

Freedom Builder FIA2 LA-32 Issue Ages 0-75 7 Year Surrender Charge Deposits in Policy Year 1 Deposits in Policy Years 2 & 3 Deposits in Policy Years 4 & 5 Deposits in Policy Years 6 & 7 Deposits in Policy Years 8+

4.00% N/A N/A N/A N/A

N/A 3.00% 2.50% 1.50% 0.00%

9 Year Surrender Charge

4.00%

N/A

Issue Ages 76-85 7 Year Surrender Charge Deposits in Policy Year 1 Deposits in Policy Years 2 & 3 Deposits in Policy Years 4 & 5 Deposits in Policy Years 6 & 7 Deposits in Policy Years 8+

2.50% N/A N/A N/A N/A

N/A 2.25% 1.75% 1.50% 0.00%

9 Year Surrender Charge

2.50%

N/A

Renewal Years 2+ N/A N/A

Immediate Annuity (Fixed Period) LA-21 and Settlements/Annuitizations/Supplemental Contracts Issue Ages 0-89 5 - 6 Years 1.00% N/A 7 - 8 Years 1.60% N/A 9 - 20 Years 2.60% N/A Immediate Annuity (Life) LA-22 and Settlements/Annuitizations/Supplemental Contracts Issue Ages 0-89 3.00%

N/A

Immediate Annuity (Joint Life) LA-23 and Settlements/Annuitizations/Supplemental Contracts Issue Ages 0-89 3.00%

N/A

All surrenders in first year will result in 100% chargeback of commissions if in months 1-6 and 50% of commissions for surrenders in months 7-12.

1 2

FDIA premiums in years two and up are treated as First Year and will receive First Year Commissions.

Commissions will be charged back to the producer if death occurs during the first policy year if the original issue age of the owner was age 80 or older.

For company use only. Not for public distribution.

Subject to revision at the discretion of the Company.

Page 4 of 4

CA Comp Schedule Effective 3/15/2021

Career Agency Benefits Guide An overview of your 2021 benefits

OneAmerica® is the marketing name for the companies of OneAmerica For use with financial professionals only. Not for public distribution.

Vendor guide We take care of people at OneAmerica, including our agents. That’s why we offer a range of benefits to help you stay physically and mentally fit. Here’s a guide to the vendors who provide them.

Vendor

Benefit

Anthem

Medical plan

Ingenio Rx Elements Financial Delta Dental VSP AUL Benefits Solver Capstone

Purpose

Locate providers, verify claim status and plan benefits, order or print ID card Prescriptions Access to prescriptions and services through Anthem Health savings account HSA inquiries (HSA) Dental plan Locate providers, verify claim status and plan benefits, print ID card Vision plan Locate providers, verify plan benefits, print ID card Life and disability Group term, and voluntary term insurance life, AD&D, and long-term disability Benefits enrollment Open enrollment, new hire platform enrollment, life events, and current benefits coverage Benefits customer Reset passwords and navigate service the enrollment site

Contact

1-833-578-4441 www.anthem.com 1-833-267-2133 www.anthem.com 1-855-440-4HSA (4472) www.elements.org/oneamerica 1-800-524-0149 www.DeltaDentalIN.com 1-800-877-7195 www.vsp.com 1-317-285-2363 1-888-736-2363 HRServiceCenter@oneamerica.com 1-800-761-1298 www.benefitsolver.com 1-800-761-1298 OAAHP@capstonebenefits.com

3

Benefits to protect you and your family As a OneAmerica company agent, you have access to a comprehensive array of benefits. See below for an overview.

The landscape of healthcare continues to change.

There are complex regulatory, legal and tax factors that impact health insurance and how entities can and should provide coverage. As a result, there has been a dramatic increase in organizations approaching health insurance with new and different strategies to provide good value, manage costs and streamline how they deliver benefits.

OneAmerica is among these organizations and we’re focused on providing competitive benefits through a solution that offers sustainability and longevity. Other companies in the financial services industry have made similar decisions for their agent health plans.

What is an association health plan?

For eligible individuals, benefits are provided through an association health plan (AHP). Under the Department of Labor’s rule, AHPs are group health plans that an association of corporations offers to provide health coverage for their agents. AHPs allow companies to band together to purchase the types of coverage that are available to large corporations, which can be less expensive and better tailored to the needs of their agents. AHPs can help create new paths to access affordable, quality health coverage.

How benefits are managed

OneAmerica and its general agents (GAs) have established an association called the OneAmerica Agents’ Association, Inc. (the Association). The Association has established an AHP to provide benefits, including health coverage, to career agents (CAs), sales directors (SDs), associate general

4

agents (AGAs), general agents (GAs) and GA employees. Benefits are provided through the AHP by insurance companies and funded through a trust called the OneAmerica Agents’ Association Welfare Benefits Trust (the Trust).

The Trust is managed by trustees who are responsible for determining the type and level of benefits to be offered by the AHP, selecting the insurance providers for each benefit, and contracting with an administrator to manage the AHP. Two trustees were elected by the general agent members of the Association and one trustee was selected by OneAmerica.

All benefits provided through the AHP are fully insured, so claims are administered by the insurance companies selected by the trustees. In addition, the trustees have chosen Capstone Administrators to manage the AHP. Capstone is a group benefit plan specialist that is experienced with association health plans. Capstone has a proven track record of serving organizations with integrity.

Medical coverage OneAmerica is committed to providing you and your loved ones with high-value medical coverage through Anthem.

Medical

•

We offer two high-deductible health plan (HDHP) options1 through the Anthem Blue Cross Blue Shield network for our agents. Both options cover the same services. The only differences are the amount of premiums, the deductible and the out-ofpocket maximum. Here are details on the plan and who’s covered:

• • • •

Deductible and out-of-pocket maximum accumulations run on a plan-year cycle (April 1–March 31) Coverage is effective the first of the month following the agent’s contract date Eligible dependents are spouse and/ or dependent children up to age 26 Domestic partners are not eligible for AHP plans Live Health Online: 24/7 access to doctors

Medical plan options (Summaries for plan designs are located at www.benefitsolver.com) Option

Red plan

White plan

Deductible individual/family Coinsurance Out-of-pocket maximum individual/ family Preventive Other care and services Hospital services, outpatient services, maternity services, emergency room services, urgent care centers, mental health (inpatient or outpatient), substance abuse (inpatient or outpatient)

$3,500/$7,000

$2,500/$5,000

80/20 $5,000/$7,000

80/20 $4,000/$6,000

100%, no deductible

100%, no deductible

80% after deductible

80% after deductible

1. An HDHP is a health benefit plan that typically offers lower premiums in exchange for higher annual deductibles when compared to traditional health plan deductibles.

6

Prescriptions and pharmacy

Ingenio Rx, our pharmacy benefits manager, helps you get the medication you need when you need it, whether that’s once a month or once a year. Along the way, you’ll find lots of ways to save. Ingenio Rx prescription drug coverage information is included on your Anthem ID card. You will not receive a separate Ingenio Rx ID card.

• Preventive therapy drugs are covered at 100% and are not subject to the deductible!

Members are still required to pay the full

out-of-pocket cost of drugs that aren’t on the list until the deductible is satisfied.

• Prescription costs are applied to medical plan deductible and out-of-pocket maximum.

• For all drugs not included on the preventive therapy drug list, members only have a copay once the deductible is satisfied.

• For more information about prescription drug coverage, go to www.anthem.com.

Prescription drug coverage (Formulary drug lists are located on www.benefitsolver.com) All other drugs (after deductible is met)

Subject to deductible Generic Preferred brand Non-preferred brand Specialty

Preventive therapy drugs

Retail copay (30-day supply)

Mail order copay (90-day supply)

No $0 $0 $0 $0

Yes $10 $35 $60 $60

Yes $25 $87.50 $150 $150

7

Medical premiums and productionbased premium reductions 2021 medical premiums2 (before reduction)

Career agents, sales directors, and associate general agents earn a 2021 medical insurance premium reduction and benefit bonus based on their personal 2020 eligible sales. The following tables show 2021 medical premiums and 2021 reduction percentages based on 2020 production. Reduction percentages

will apply directly to the lower cost medical plan.

The reduction percentage is lower for the higher cost plan.

Red plan Age

≤ 29

30–39

40–49

50–59

60+

Agent

$278.03

$348.55

$488.25

$790.69

$999.55

Agent + spouse

$550.49

$690.13

$966.73

$1565.55

$1979.10

Agent + child(ren)

$516.02

$646.90

$906.18

$1467.49

$1855.14

Family

$836.86

$1049.13

$1469.62

$2379.95

$3008.62

White plan Age

≤ 29

30–39

50–59

60+

Agent

$306.94

$384.80

$539.03

$872.91

$1103.49

Agent + spouse

$607.74

$761.90

$1067.27

$1728.36

$2184.93

Agent + child(ren)

$569.67

$714.17

$1000.42

$1620.11

$2048.07

Family

$923.89

$1158.24

$1622.46

$2627.35

$3321.52

2. Medical premiums include prescription coverage through Ingenio Rx. 8

40–49

Production-based premium reduction and benefit bonus levels for CAs and SDs Total personal FYC production in 2020

Reduction percentage for lowest cost health plan option

Monthly benefit bonus (for medical plan participants)

< $29,999

0%

$0

$30K–$49,999

30%

$50

$50K–$74,999

60%

$50

$75K–$149,999

70%

$70

$150K–$199,999

75%

$70

$200K+

85%

$85

New agents3

Minimum 50%

$50

Note: Total FYC: Annualized paid first-year commissions from OneAmerica product sales. OneAmerica Securities gross dealer concessions are included in the calculation, weighted at 50% of the GDC rate. We will include all FYC from ILFS, Retirement Services and Agent Benefits paid business.

3. First partial year plus first full year under contract.

9

Health savings account (HSA) You’ll get more value from the health care dollars you spend when you take advantage of a tax-free health savings account.

Health savings account

2021 HSA contribution limits

A HSA is an account you use to save money for current and future medical expenses. You don’t pay taxes on contributions and earnings, as long as funds are used for qualified medical expenses. In order to establish an HSA and make tax-deductible contributions, the accountholder must be covered by a qualified high-deductible health plan. You can find an FAQ with more information at www.benefitsolver.com.

Advantages of HSAs include: • Tax savings: You set aside pre-tax dollars to cover your health expenses • Rollovers: Unused dollars in your HSA can carry over year to year to help reduce your out-ofpocket expenses — even after you retire • Convenience: You can use your HSA debit card or checkbook to access your account • Portability: You can take the account with you when you retire

Option

Contribution limit

Agent-only coverage

$3,600

Family coverage Catch-up contribution (age 55 or better)4

$7,200 $1,000

4. This amount is in addition to limits for agent-only or family coverage.

10

About our HSA • Agents are eligible for membership with Elements Financial Credit Union, no matter where they work or live.

— Services include a no-fee HSA — Find basic Elements information at www.elements.org/oneamericaagents — Find OneAmerica HSA information at www.elements.org/oneamericaagents/ health-savings-account • Previous HSA balance can be transferred to Elements or spent down • For more info, see IRS Publication 969

Dental coverage You and your dependents are eligible for dental coverage through Delta Dental.

Dental insurance helps you pay for certain qualified dental expenses. Both plan options cover the same services. The only differences are the annual dollars per person for covered services, the lifetime per-person maximum for orthodontia, and the premiums paid for the coverage.

Two fully insured options The agent pays the full coverage cost; there is no company contribution • Summary plan descriptions are located on www.benefitsolver.com • •

Dental plan options

12

Option

Core

High

Individual deductible Family deductible Dollars for covered services Network providers Preventive care Exams Cleanings X-rays 2 exams and cleanings/year Limits apply to X-rays Basic care Repairs on dentures, crowns Endodontics Peridontics Fillings Oral surgery Major care Crowns, dentures, bridges Orthodontia (adults and children) Premiums (monthly) Agent only Agent/spouse Agent/child(ren) Family

$50 $150 $750 per person per year PPO, Premier and out-of-network

$50 $150 $1,500 per person per year PPO, Premier and out-of-network

100%, no deductible

100%, no deductible

80%, after deductible

80%, after deductible

50%, after deductible

50%, after deductible

50%, no deductible, $500 lifetime maximum

50%, no deductible, $1,000 lifetime maximum

$27.94 $55.80 $72.94 $105.66

$51.73 $103.27 $115.07 $172.71

Vision coverage Through VSP Vision Care, you can choose your provider from 81,000 access points, including VSP’s large network of independent doctors and over 5,000 participating retail care locations including Walmart.

Vision insurance helps you pay for certain qualified vision expenses.

• Fully-insured plan • Annual exam and lenses every 12 months; frames every 24 months • The agent pays the full coverage cost; there is no company contribution • A summary plan description is located on www.benefitsolver.com

Vision plan options Premiums (monthly)

Agent only Agent + spouse Associate + child(ren) Family Network

$5.16 $9.56 $11.94 $16.72 VSP Choice

13

Disability and life insurance As a OneAmerica company agent, sales director or associate general agent, it’s your job to know about the value of insurance. Fortunately, your life and disability insurance through OneAmerica offer the coverage and value you expect.5 Long-term disability (LTD)

Life insurance

Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury.

Life insurance pays a benefit to your beneficiary upon your death. Depending on the plan, other events such as terminal illness may also trigger payment.

The value for the insured is peace of mind in knowing that death will not result in financial hardship for loved ones.

•

• • •

•

The benefit amount equals 60% of the agent’s 24-month average annual compensation after a partial year, plus one full year under contract.

Agents must be younger than age 60 to enroll.

The maximum benefit is $10,000 per month. The guarantee issue amount also is $10,000 per month.

Coverage automatically adjusts each year as agent’s earnings change, without any evidence of insurability.

The agent’s cost is age bracketed.

LTD coverage for new hires (partial year plus 1 full year) Agent/SD

AGA

$1,200

$4,200

LTD premiums Age

Agent cost per $100 Company cost per of monthly benefit $100 of monthly benefit

Under 40

$0.92

$0.16

40-49

$1.35

$0.25

50+

$1.85

$0.33

Group term life coverage As a national leader in life insurance, OneAmerica believes it’s important for all agents to have some base level of coverage. For this reason, OneAmerica provides group term life coverage to all agents at no cost. Agents are eligible for higher levels of coverage based on annual sales production.

Coverage is 100% company paid.

• Coverage levels are based on contract type and production level.

• Imputed income is calculated on amounts greater than $50,000 and the agent is taxed on the value of the imputed income.

• Conversion of any lost benefit amount is not allowed, as production levels may change from year to year. Conversion can take place only when an agent’s contract ends.

•

5. If you don’t enroll in life and disability insurance coverage as a new hire, you’ll need to provide evidence of good health. Benefits are tax free for all life and disability insurance, since the agent pays the premium after taxes.

14

Group term life coverage Production level

CA/SD

How to enroll in benefits

AGA

$50,000

$75,000

Leaders’ Conference

$100,000

$125,000

Chairman’s Trip

$150,000

$175,000

Base coverage*

* Base coverage for CAs, SDs or AGAs who don’t qualify for higher tiers.

Voluntary Term Life and Accidental Death and Dismemberment (VTL/AD and D) An opportunity to add voluntary term life insurance with accidental death and dismemberment coverage is available. New agents can elect up to $80,000 of coverage without medical underwriting. Any amounts elected over that amount will require medical underwriting approval before the coverage becomes effective.

For this coverage to become effective on April 1, 2021, the AHP is required to reach a minimum enrollment level of 15% or more of eligible agents.

If the enrollment requirement isn’t met, the benefit won’t be available on April 1, 2021.

•

• • • •

•

The benefit amount is based on the agent’s 24-month average annual compensation after a partial year, plus one full calendar year under contract.

Benefit maximum of $500,000, not to exceed 5 times the agent’s earnings in increments of $10,000.

Benefit minimum that can be elected is $10,000.

AD&D amount matches life insurance amount.

The cost is paid 100% by agent and is age banded. Visit www.benefitsolver.com for age banding premium information.

Coverage will reduce upon reaching certain ages as follows:

Age at reduction Agent’s age when reduction occurs Percent of life amount remaining

70

75

80

85

1. Go to www.benefitsolver.com.

2. If you are a first time user, click Register under “First time here?”.

— Enter your company key (OAAHP). Please note the company key is case sensitive.

— Enter your Social Security number and date of birth; click “continue”.

— Create your user name and password and set up your security questions.

— Once you’ve successfully created your account, you’ll receive a message and be prompted to the log-in screen.

3. If you are a returning user, use the username/ password you set up previously.

4. Enter your company key (OAAHP). Please note the company key is case sensitive.

Don’t remember your username/ password or have questions?

Contact Capstone at 1-800-761-1298 or OAAHP@capstonebenefits.com.

90

45% 30% 20% 15% 10%

BACK TO TABLE OF CONTENTS

15

ONEAMERICA SECURITIES ®

thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

About OneAmerica Securities, Inc. OneAmerica Securities, Inc. is a full-service broker/ dealer and registered investment advisor that offers stock and bond trading, mutual funds, variable annuities, variable life insurance, fee-based asset management and fee-based financial planning.

OneAmerica Securities, Inc. is a wholly owned subsidiary of American United Life Insurance Company® (AUL), a OneAmerica® company.

Products and services

The list of products currently available through OneAmerica Securities, Inc. includes stocks, corporate and municipal bonds, mutual funds, variable annuities, variable life insurance, direct participation programs, negotiable certificates of deposit, fee-based financial planning and fee-based asset management.

In addition to these products, OneAmerica Securities, Inc. offers planning programs for pre- and post-retirement, estate preservation, college, small business and general financial planning. Other services available include online account access, check-writing services, consolidated statements and complete cash management accounts (including debit cards, check-writing, cost-basis reporting and more).

Financial highlights 2020 AUL statutory year-end highlights

Total assets Premium and other income Total surplus (including Asset Valuation Reserve) Net investment income Statutory pre-tax net loss

$35.8 billion $4.8 billion $1.5 billion $583.2 million ($3.6 million)

2020 OneAmerica GAAP year-end highlights

Assets under administration Revenue Equity Net investment income Net income

$97.7 billion $2.7 billion $4.3 billion $1.0 billion $129.0 million

inancial results are produced according to Generally Accepted F Accounting Principles (GAAP). These consolidated results include OneAmerica Financial Partners, Inc. and its subsidiaries. Assets under administration includes total GAAP assets plus assets administered

by OneAmerica companies including McCready and Keene, Inc. and OneAmerica Retirement Services LLC.

Common values and objectives

As a OneAmerica® company, OneAmerica Securities, Inc. strives to uphold the core values of achievement, stewardship, partnership, integrity, responsiveness and excellence. These values are reflected in the attitudes and goals of its representatives, as the organization strives to build and achieve not only a personal relationship with clients, but also longlasting friendships.

is the marketing name for the companies of OneAmerica | OneAmerica.com

1 of 2

© 2021 OneAmerica Financial Partners, Inc. All rights reserved.

C-26071 04/29/21

About OneAmerica®

A national provider of insurance and financial services for more than 140 years, the companies of OneAmerica help customers build and protect their financial futures.

OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset-based long-term care solutions and employee benefit plan products.

Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to our customers.

To learn more about our products, services and the companies of OneAmerica, visit OneAmerica.com/companies.

Note: Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC.

is the marketing name for the companies of OneAmerica | OneAmerica.com

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© 2021 OneAmerica Financial Partners, Inc. All rights reserved.

C-26071 04/29/21

THG PAYOUT GRID CLUB SILVER BONUS

CLUB GOLD BONUS

GDC Level

GRID

$0—$25,000

35%

5%

40%

10%

45%

$25,000—$50,000

45%

5%

50%

10%

55%

$50,000—$100,000

55%

5%

60%

10%

65%

$100,000—$150,000

65%

5%

70%

10%

80%

$150,000—BEYOND

75%

5%

80%

5%

80%

*Effective for Full-Time Contracts Starting January 1, 2020 & Beyond

•

80% MAX

FOR USE WITH FINANCIAL PROFESSIONALS ONLY. NOT FOR PUBLIC DISTRIBUTION. thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

Financial Representative Associated Business Costs Technology enhancement package This required fee for $100/month or Registered Representatives $1,000/year paid up provides access to your front, non-refundable clients, their accounts, (prorated based compliance and more. on your date of registration)

NetX360 — Basic functionality

A la carte technology offered Investigo

Account aggregation and CRM functionality $75/month with compliance-approved consolidated statements.

Asset Allocation

Morningstar advisor workstation (Depends on $218.40– configuration. Available on NetX360 platform.) $249.60/month

Brokerage platform with electronic account establishment, trading, market data, research and client information (Additional content and mobile access available for added cost; client access available for viewing only)

Approved financial planning tools

Docupace

MarketingLibrary.net

An electronic document submission workflow system that combines new business processing with document filing

MoneyGuide Pro — Visit www.moneyguidepro.com Naviplan — Visit www.advicentsolutions.com Profiles — Visit www.advicentsolutions.com eMoney Advisor — Visit www.emoneyadvisor.com

Compliance integrated client communications $20/month Brokerage transaction charges and fees Clearance services/ticket charges per order

DST Vision professional

Brokerage and direct business account aggregation tool with compliance-approved client reports RegEd

Regulatory requirements and continuing education

Equities and exchange-traded funds (ETF)

$12

Execution charges

Equities/ETFs: electronic routing for all orders (minimum $.50, maximum $5.00)

$.15 per 100 shares

Premium services

Smarsh e-mail

Required e-mail archiving and hosting system Hearsay Social

NYSE floor direct Agency sales desk

$.005/share $.01/share

Social media marketing and compliance archival

Execution, clearance and settlement services in non-United States dollars

AI Insight

Clearance services $12/order Execution and settlement services: call for charges by currency

Alternative investment training platform (Required for Series 7 registered representatives offering alternative investments)

Note: Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC.

is the marketing name for the companies of OneAmerica | OneAmerica.com © 2018 OneAmerica Financial Partners, Inc. All rights reserved.

1 of 2

For use with financial professionals only. Not for public distribution.

I-21027 04/09/18

Other fees

Corporate Bonds, executed on an exchange Fixed income securities: • Principal = charging markup/markdown • Agency = charging a commission Mortgage-backed-when-issued securities: • Principal = charging markup/markdown • Agency = charging a commission Load mutual funds No-load mutual funds Systematic mutual fund purchase and redemption (Charges paid by OneAmerica Securities) Load mutual fund exchanges (Charges paid by OneAmerica Securities) Non-FundSERV mutual fund Physical load mutual fund certificates Unit investment trusts Ticket charges

$1/bond $40 principal $20 agent $50 principal $20 agent $12 $12 $0

Experience

Production required (GDC)

All calendar years $10,000

Administrative fee

$1,000

Note: For minimum production requirements and annual administrative fees, exceptions are made for those who hold a registration for home office duties, field management and administrative purposes. All fees subject to change.

Minimum production requirement

For each calendar year, each Preferred Broker and Emeritus Agent with OneAmerica Securities, Inc.

by Jan. 1 will need to meet a minimum production requirement of $2,000 in securities gross dealer concessions.

$0 $40 $50 $35 Waived for Pershing wrap accounts

For those representatives that do not meet the minimum production requirements by Dec. 31, OneAmerica Securities will terminate their registration with the broker/dealer. The minimum production requirement will be evaluated annually.

NOT A DEPOSIT • NOT FDIC OR NCUA INSURED • NOT BANK OR CREDIT UNION GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

Post settlement fees

Post settlement cancel/re-bill trade correction

Annual administrative fees for Preferred Brokers and Emeritus Agents

$25

Production related information

All representatives registered prior to Jan. 1 are subject to an annual administrative fee. A representative may have this fee waived is his/her production meets the following criteria based on first year commission (FYC).

Annual administrative fees for Career Agents Experience

1st full calendar year 2nd full calendar year 3rd full calendar year and beyond

Production required (FYC) Administrative fee

$20,000

$750

$25,000

$750

$30,000

$1,000

is the marketing name for the companies of OneAmerica | OneAmerica.com © 2018 OneAmerica Financial Partners, Inc. All rights reserved.

2 of 2

For use with financial professionals only. Not for public distribution.

I-21027 04/09/18

OneAmerica Securities Technology Solutions Technology Product

Description

Access

Support/Training

Cost

Pershing's robust brokerage platform for trading, market research, and client information. Basic functionality included in fee.

Registration form available on OneSource Online/Forms. Look up form # I-19249 or search by form with text: NetX360

1-888-878-3142 for Tech Support, or Interactive e-learning under the Resources/Learning Center; ~or~ OneAmerica Securities Operations for Home Office Support at 1-877-285-3863 option 2#; email OAS.SUPPORT@ONEAMERICA.COM.

Included in Technology Enhancement Package

Account information provided via email from the home office.

OneAmerica Securities Operations for Home Office Support at 1-877-285-3863 option 2#; email OAS.SUPPORT@ONEAMERICA.COM.

Included in Technology Enhancement Package

Click the OneSource Online Quick Link to request access or to login, or contact DST at www.DSTvision.com

For DST Vision Support call 877-335-7763. ~or~ OneAmerica Securities Operations for Home Office Support at 1-877-285-3863 option 2#; email OAS.SUPPORT@ONEAMERICA.COM.

Included in Technology Enhancement Package

Completion of regulatory requirements. Plus, access to a large suite of continuing education courses.

When a regulatory requirement is due, account information will be provided via email from the Home Office.

1-800-334-8322 ~or~ 1-877-285-7660, option 4#.

Email hosting and archival system.

Account information will be provided via email from the home office.

Visit https://kb.smarshmail.com/ ~or~ email Field Tech Support at fieldtechsupport.ind@oneamerica.com.

Cybersecurity compliance software that monitors computers and mobile devices used for business purposes.

Account information will be provided via email from the home office.

Email SUPPORT@ENTREDA.COM.

Included in Technology Enhancement Package

Click here to sign up.

Email support at support@ionlake.com; toll free at 1-844402-2401 or browse the MyRepChat Documentation Library ~or~ OneAmerica Securities Operations for Home Office Support at 1-877-285-3863 option 2#; email OAS.SUPPORT@ONEAMERICA.COM.

Included in Technology Enhancement Package

An electronic document submission workflow system that combines new business processing with document filing.

DST Vision plus expanded aggregation including Pershing accounts, rep-branded customer reports and integrated analytics through Advisor Watchguard.

Compliance approved texting platform solution monitored through SMARSH.

For broker dealer use only. Not for public distribution.

ONEAMERICA SECURITIES, INC.

Included in Technology Enhancement Package Included in Technology Enhancement Package

Revised 1/29/2021 a ONEAMERICA® company

OneAmerica Securities Technology Solutions

OneSource Online website

Included in Technology Enhancement Package

Social media compliance tool

Linking information will be provided by OneAmerica Compliance Social Media Team

Alternative investment training platform required for Series 7 reps selling these products.

Selling agreement list, sponsor information, the OneAmerica Securities attestation, and product specific training modules.

Visit the OneSource Online Center of Excellence> Investment Studies> Required Courses> AI Insight> AI Insight Registration to set up your profile. Use the login link on the same page of COE to enter AI Insight

1-877-794-9448

FREE

OneAmerica website for access to commission information, technology, training through our center of excellence platform, newsflash items, sales support and more.

Register for access at www.ols.oneamerica.com

1-877-999-9883 ~or~ email Field Tech Support at fieldtechsupport.ind@oneamerica.com.

FREE

Your quick access to prewritten material to market yourself and easily communicate with your clients! Many items are already compliance approved This aggregation system provides consolidated reporting of your client's accounts. It includes professional reports and a client relationship management (CRM) tool. 30day free trial available!

OneAmerica Compliance Social Media Team at Advertising.CorporateCompliance@oneamerica.com

Click the OneSource Online Quick Link for information or Contact https://marketing.pro/login.asp

Registration form available on OneSource Online forms page

$20/mo.

1-866-254-6035 ~or~ https://marketing.pro/login.asp

Standard Version

Call Investigo at 1-866-209-2440; email support at Investigo.support@broadridge.com; or attend live trainings at Investigo University ~or~ OneAmerica Securities Operations for Home Office Support at 1-877-285-3863 option 2#; email OAS.SUPPORT@ONEAMERICA.COM.

$75/mo.

LOGINS AND PASSWORDS: For security of client information, the sharing of Logins and Passwords is prohibited. Password resets are available through the vendor login screens.

Frequent login to each program will ensure access to programs is maintained. Vendors reserve the right to purge logins due to inactivity.

Revised 1/29/2021

For broker dealer use only. Not for public distribution.

ONEAMERICA SECURITIES, INC.

a ONEAMERICA® company

BACK TO TABLE OF CONTENTS

ABOUT ONEAMERICA

®

thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

LIFE INSURANCE | RETIREMENT | EMPLOYEE BENEFITS

OneAmerica’s Mutual Strength OneAmerica can trace its roots back to 1877. Since that time, the companies of OneAmerica have operated under the mutual philosophy that they exist for one main purpose: to deliver on our promises when customers need us most.

Being mutual is at the heart of who we are and how we conduct our business. As a mutual organization, our first priority is the customer, not Wall Street. Because we don’t have the short-term distractions of quarterly earnings calls, stock prices and other pressures felt by public companies, our mutual structure enables us to focus on providing long-term value for customers by creating and protecting their assets. Policyholders elect our board of directors, as we have no external shareholders.

In 2000, we reorganized into a mutual holding company structure. This structure supports our strategy to seize growth opportunities by providing the flexibility to bring other mutual companies into the organization.

It also enables us to be more efficient in our capital structure so that we can support growth and financial strength over the long term. In the end, the mutual holding company structure is advantageous from a business standpoint while retaining all of the important aspects of mutuality.

Our customers’ best interests drive our business decisions. First, it drives us to manage our customers’ resources in a responsible manner because it’s their money, not ours. Second, it drives us to develop and deliver products and services that add real value because, if we don’t, our customers can go elsewhere.

At OneAmerica, mutual is more than a structure. It’s a philosophy, a commitment and a way of life. Most important, it’s a promise to be there when our customers need us most.

The following are frequently asked questions regarding OneAmerica’s mutual organization structure.

Is OneAmerica part of a mutual insurance organization?

Yes, OneAmerica and its operating companies (including American United Life, The State Life Insurance Company and Pioneer Mutual Life) are part of a mutual holding company group. All companies are ultimately owned by American United Mutual Insurance Holding Company (AUMIHC).

When I look up OneAmerica, AUL, State Life and Pioneer, it says they are stock companies. How can you be a mutual organization when you have stock companies?

These stock companies are ultimately owned by the mutual holding company parent (AUMIHC). There are no external shareholders. American United Mutual Insurance Holding Company (AUMIHC) owns all of the stock of OneAmerica, and OneAmerica owns all of the stock of AUL, State Life and Pioneer. When a customer purchases a policy at AUL, State Life or Pioneer, they become a member of the holding company (AUMIHC) and gain certain rights, including the right to vote for the AUMIHC board of directors. Being a family of companies ultimately controlled by its policyholders makes OneAmerica a mutual organization.

Products and financial services provided by the companies of

ONEAMERICA FINANCIAL PARTNERS, INC.

LIFE INSURANCE | RETIREMENT | EMPLOYEE BENEFITS

OneAmerica’s Mutual Strength Who controls OneAmerica and its operating companies?

Policyholders. Eligible policyholders of our insurance subsidiaries elect the board of directors of the holding company that ultimately provides the direction and guidance to the enterprise.

Are there any outside shareholders who influence or control OneAmerica and its companies?

No, there are no external shareholders.

Does OneAmerica plan to issue stock to external shareholders or “go public”?

Our plan is to remain a mutual organization because we believe it is in the interest of our policyholders to continue to manage the company for their benefit rather than for the benefit of external shareholders.

Why did the company convert to a mutual holding company structure?

The mutual holding company structure allows us to add other like-minded mutual companies to the structure.

State Life and Pioneer were added in recent years. We believe policyholders have benefited from the increased scale, financial strength and resources of the combined organization. In addition, the holding company structure enables us to more efficiently and effectively manage capital.

Why is mutuality so important?

As a financial services organization, we make long-term promises. Benefits often don’t come due for 20 or 30 years, and a great deal can happen in that time frame. We believe that a long-term view and a focus on the customer are vitally important. Mutuality, therefore, is a superior form of ownership. Our performance during the recent downturn is a testament to our financial strength and conservative risk management over the long term.

Bottom Line: Is OneAmerica a mutual or stock company?

We are organized as a mutual holding company. Our operating subsidiaries are stock companies ultimately owned by a mutual holding company parent. Policyholders, not public shareholders, guide all aspects of our operation through the board of directors they elect. Our mutual structure is illustrated as follows: American United Mutual Insurance Holding Company (Mutual Parent) | OneAmerica Financial Partners, Inc. (Indiana Stock Company Subsidiary) | The operating companies of OneAmerica: America United Life Insurance Company (Indiana Stock Company) The State Life Insurance Company (Indiana Stock Insurance Company) Pioneer Mutual Life Insurance Company (North Dakota Stock Insurance Co.) R.E. Moulton, Inc. OneAmerica Securities AUL Reinsurance Management Services, LLC

Products and financial services provided by the companies of

ONEAMERICA FINANCIAL PARTNERS, INC.

Financial Ratings The financial strength of the companies of OneAmerica® is evident by the favorable ratings assigned by independent industry ratings organizations.

A.M. Best

A+ (Superior) — Stable outlook A.M. Best’s A+ (Superior) rating is second-highest of 15 possible ratings, according to the July 31, 2020, report, and reflects: • Strong risk-based capital position • Strong growth in assets under administration • Good diversification of operating profile with Individual and Retirement Services products • Well-managed investment portfolio • Well-developed ERM framework

These ratings reflect assessments of the claimspaying ability of the following OneAmerica® insurance companies: American United Life Insurance Company® (AUL) and The State Life Insurance Company® (State Life). They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Ratings are under continuous review and subject to change and/or affirmation.

S&P

AA- — Stable outlook Standard and Poor’s AA- rating is fourthhighest of 22 possible ratings, according to the September 14, 2020, report, and reflects: • Strong competitive position, supported by leading market position in niche Care Solutions (combo product) business • Consistent sales growth, especially in Retirement Services (RS) line of business • Extremely strong capital, demonstrated by ‘AAA’ redundancy • Very strong business risk profile and extremely strong financial risk profile, leading to an initial anchor score of ‘AA’

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© 2021 OneAmerica Financial Partners, Inc. All rights reserved.

C-26210 05/06/21

2020 Financial results

The State Life Insurance Company®

The companies of OneAmerica

Assets under administration Revenue Equity Net investment income Net income

$97.7 billion $2.7 billion $4.3 billion $1.0 billion $129.0 million

Note: Financial results are produced according to Generally Accepted Accounting Principles (GAAP). These consolidated results include OneAmerica Financial Partners, Inc. and its subsidiaries. Assets under administration includes total GAAP assets plus assets administered

by OneAmerica companies including McCready and Keene, Inc. and OneAmerica Retirement Services LLC. ®

American United Life Insurance Company

Total assets $35.8 billion Total life insurance in force $134.6 billion Premium and other income $4.8 billion Total surplus (incl. Asset Valuation Reserve) $1.5 billion Net investment income $538.2 million Statutory pre-tax net gain/ (loss) ($3.6 million)

Total assets Total life insurance in force Premium and other income

$772.3 million

Total surplus (incl. Asset Valuation Reserve) Net investment income Statutory pre-tax net gain

$630.8 million $314.8 million $58.2 million

$10.0 billion $12.9 billion

Note: Financial results for AUL and State Life are reported on a statutory basis.

Note: OneAmerica Financial Partners is a stock insurance holding company, not a licensed insurance company.

NOT A DEPOSIT • NOT FDIC OR NCUA INSURED • NOT BANK OR CREDIT UNION GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE The companies of OneAmerica include American United Life Insurance Company®, The State Life Insurance Company®, OneAmerica Retirement Services LLC, McCready & Keene, Inc., OneAmerica Securities, Inc., Pioneer Mutual Life Insurance Company®, a stock subsidiary of American United Mutual Insurance Holding Company, and OneAmerica Asset Management, LLC.

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BACK TO TABLE OF CONTENTS C-26210 05/06/21

PRODUCTS thgfinancial.com contactus@thgfinancial1.com ∣ 630.491.4040

People. Passion. Purpose.

Individual Products Guide Product offerings through the companies of OneAmerica®

Table of contents Addressing client concerns Four steps for you to help your clients

3 4

LIFE INSURANCE Whole life insurance

Whole Life 95 Whole Life 121 Whole Life Select

6 8 10

Term life insurance

OneAmerica® Term OneAmerica® Premier Term

12 13

ASSET-BASED CARE SOLUTIONS Asset Care®

Asset Care Single Premium Whole Life Asset Care with Return of Premium Asset Care Recurring Premium Whole Life Asset Care Annuity Funding Whole Life

15 16 17 19

(continued on inside cover)

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For use with financial professionals only. Not for public distribution.

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Annuity Care®

Annuity Care® Annuity Care® II

20 21

Indexed Annuity Care®

Indexed Annuity Care®

23

ImmediateCare®

Immediate Care® SPIA

25

Legacy Care®

Legacy Care®

27

ANNUITIES Flexible deferred income annuity

Secure Income Stream Annuity

29

Fixed indexed annuity

OneAmerica® Freedom Builder

31

Immediate annuity

Single Premium Immediate Annuity

33

SERVICE AND SUPPORT

Caring for you and your clients is our commitment Additional information

2

34 35

Addressing client concerns As a professional in the financial services industry, you work to help clients address their financial concerns. Many of your clients worry about leaving a legacy, while others worry they may not be ready to retire. Chances are you have clients who don’t want to be a burden to their loved ones if they experience a critical illness or need long-term care.

Your clients want the financial freedom to enjoy life and provide for those important to them. They have numerous concerns — and varying timelines to reach their goals.

Get to know the products that can help your clients address their financial concerns.

The OneAmerica® family of companies commitment to you

You can have confidence knowing you have teamed with OneAmerica® — a family of companies committed to providing you product options, training and resources to help you succeed in your mission to address your clients’ financial concerns.

Clients usually do not think in terms of “financial products.” OneAmerica has options you can offer clients to help them accomplish their financial goals.

3

Four steps for you to help your clients By following four key steps, you can position yourself to effectively and efficiently help your clients meet their financial goals.

1

Know the products you offer

It is your responsibility to know about each product offering and how it works.

This product guide and accompanying materials conveniently contain target market information and features of all life insurance, annuity and asset-based long-term care offerings through the companies of OneAmerica. You also have online resources at www.ols.oneamerica.com, and a team of professionals is a phone call away at 1-877-999-9883.

2

Know the goals of your prospective clients

Look at the target markets listed throughout this guide. Then determine the goals of your prospective clients. How can you do this? By simply asking questions and carefully listening to what your prospects share with you. Through open and honest dialogue, you can determine which product offering(s) will be a good fit.

4

3

Get in front of your prospective clients

Telephone conversations are great, but there is nothing like the face-to-face experience you can have with prospective clients. Let your clients get to know you. Show them your honesty in your body language, tone of voice and eye contact as you answer their questions and explain the financial product you propose they purchase.

4

Provide options

You have uncovered your clients’ financial goals and desired time frame to get there.

Now address their financial concerns by completing the application process. Explain what you propose with confidence and continue to answer any questions your clients have. By doing this, chances are you have established lifetime clients who can send some referrals your way!

Life insurance Life insurance helps clients answer an important question, “How will my loved ones manage financially after I’m gone?”

Many life insurance types also offer benefits your clients can use during their lifetime. In this section you will find information about: • Whole life insurance • Term life insurance

5

Whole life insurance Whole Life 95 Target markets

Policy form number series Issuing company

Clients seeking: • Guarantees • The ability to max fund a policy • The potential to increase the death benefit and cash value with the paid-up additional insurance dividend option With guarantees and cash value accumulation, Whole Life 95 can be an ideal fit for clients to grow and protect their money.

L-60 American United Life Insurance Company®

Highlights

Issue ages Underwriting classes

Maturity Death benefit Minimum face amount Bands

Premiums Dividend options

Benefits and riders

Fees

6

0–85 (preferred rates become available at age 18) • Preferred nontobacco • Preferred tobacco • Select nontobacco • Standard tobacco • Standard nontobacco Age 121 Guaranteed • $50,000 Preferred, Standard Non-Tobacco and Standard Tobacco • $100,000 Preferred Tobacco and Select Non-Tobacco • Band 1: $50,000–$99,999 • Band 4: $500,000–$999,999 • Band 2: $100,000–$249,999 • Band 5: $1 million+ • Band 3: $250,000–$499,999 • Guaranteed level premiums • Tobacco, risk class and gender distinct • Cash • Purchase paid-up additions • Accumulate at interest • Reduce loan balance • Reduce premium • Accelerator paid-up additions rider • Indexed dividend crediting option rider • Aviation exclusion rider • Preferred loan rate rider • Blend accelerator paid-up additions rider • Premium deposit account rider • Children’s benefit rider • Same insured term rider • Chronic illness rider • Survivor purchase option rider • Credit of paid-up additions for disability rider • Terminal illness rider • Enhanced blended insurance rider • Waiver of premium disability rider • Guaranteed insurability option rider No policy fee

LIFE INSURANCE

Whole Life 95 (continued) Benefit and rider costs

•

• • • • • • • •

•

• • •

Accelerator and Blend Accelerator Paid-up Additions Riders: — Minimum premium: $10 monthly — Maximum premium without evidence of insurability: 3x base premium in most years — Renewal year PUAR Load is 10%, grades down at older ages — FY PUAR load depends on issue age: » 0–39: 15% » 40–54: 15% » 55+: 10% Children’s Benefit Rider: $6.50 per unit Credit of Paid-up Additions for Disability Rider: Varies.

Refer to OneSource Online > Products for details.

Chronic Illness Rider: No additional premium Enhanced Blended Insurance Rider: Varies by issue age, gender, risk classification and the selected projected age-to-persist at the assumed dividend scale Guaranteed Insurability Option Rider: Varies.

Refer to OneSource Online > Products for details.

Indexed Dividend Crediting Option Rider: No additional premium Preferred Loan Rate Rider: No additional premium Premium Deposit Account Rider: — Minimum contribution: $10 monthly — Maximum contribution: 10% of the amount of insurance Same Insured Level-Term Insurance Rider: — The OneAmerica Premier Term product without the policy fee constitutes the term rider.

Survivor Purchase Option Rider: Varies. Refer to OneSource Online > Products for details.

Terminal Illness Rider: No additional premium Waiver of Premium Disability Rider: Varies.

Refer to OneSource Online > Products for details.

7

Whole Life 121 Target markets Policy form number series Issuing company

Clients who prefer to pay the lowest premium for a permanent whole life insurance policy while building moderate guaranteed cash value and death benefits.

L-60 American United Life Insurance Company®

Highlights

Issue ages Underwriting classes

Maturity Death benefit Minimum face amount

Bands

Premiums Dividend options

Benefits and riders

Fees

8

0–85 (preferred rates become available at age 18) • Preferred nontobacco • Preferred tobacco • Select nontobacco • Standard tobacco • Standard nontobacco Age 121 Guaranteed Minimum face amount varies by Underwriting Class: Standard nontobacco and tobacco: $25,000 Preferred nontobacco: $50,000 Select nontobacco and Preferred tobacco: $100,000 • Band 1: $25,000–$49,999 • Band 4: $250,000–$499,999 • Band 2: $50,000–$99,999 • Band 5: $500,000–$999,999 • Band 3: $100,000–$249,999 • Band 6: 1 million + • Guaranteed level premiums • Tobacco, risk class and gender distinct • Cash • Purchase paid-up additions • Accumulate at interest • Reduce loan balance • Reduce premium • Accelerator paid-up additions rider • Indexed dividend crediting option rider • Aviation exclusion rider • Preferred loan rate rider • Blend accelerator paid-up additions rider • Premium deposit account rider • Children’s benefit rider • Same insured term rider • Chronic illness rider • Survivor purchase option rider • Credit of paid-up additions for disability rider • Terminal illness rider • Enhanced blended insurance rider • Waiver of premium disability rider • Guaranteed insurability option rider No policy fee

LIFE INSURANCE

Whole Life 121 (continued) Benefit and rider costs

•

• • • • • • • •

• • • •

Accelerator and Blend Accelerator Paid-up Additions Riders: — Minimum premium: $10 monthly — Maximum premium without evidence of insurability: 3x base premium in most years — Renewal year PUAR load is 10%, grades down at older ages — FY PUAR load depends on issue age: » 0–39: 15% » 40–54: 15% » 55+: 10% Children’s Benefit Rider: $6.50 per unit Credit of Paid-up Additions for Disability Rider: Varies.

Refer to OneSource Online > Products for details.

Chronic Illness Rider: No additional premium Enhanced Blended Insurance Rider: Varies by issue age, gender, risk classification and the selected projected age-to-persist at the assumed dividend scale Guaranteed Insurability Option Rider: Varies.

Refer to OneSource Online > Products for details.

Indexed Dividend Crediting Option Rider: No additional premium Preferred Loan Rate Rider: No additional premium Premium Deposit Account Rider: — Minimum contribution: $10 monthly — Maximum contribution: 10% of the amount of insurance Same Insured Level-Term Insurance Rider: — The OneAmerica Premier Term product without the policy fee constitutes the term rider.

Survivor Purchase Option Rider: Varies. Refer to OneSource Online > Products for details.

Terminal Illness Rider: No additional premium Waiver of Premium Disability Rider: Varies.

Refer to OneSource Online > Products for details.

9

Whole Life Select Target markets

Clients wanting: A paid-up policy at a certain date • Life insurance protection while preparing for retirement L-60 and L-60SP American United Life Insurance Company® •

Policy form number series Issuing company Highlights

Issue ages Underwriting classes

Maturity Death benefit Minimum face amount Bands

Premiums

Dividend options

Benefits and riders

Fees

0–85 • Preferred nontobacco • Preferred tobacco • Select nontobacco • Standard tobacco • Standard nontobacco Age 121 Guaranteed $50,000 • Band 1: $50,000–$99,000 • Band 4: $500,000–$999,999 • Band 2: $100,000–$249,999 • Band 5: $1 million + • Band 3: $250,000–$499,999 • Guaranteed level premiums • Guaranteed paid-up premium periods • Choice of premium-payment periods • Tobacco, risk class and gender distinct (unisex rates available for qualifying policies) • Cash • Purchase paid-up additions • Accumulate at interest • Reduce loan balance • Reduce premium • Accelerator paid-up additions rider • Indexed dividend crediting option rider • Aviation exclusion rider • Loan interest rate limitation rider • Blend accelerator paid-up additions rider • Preferred loan rate rider • Children’s benefit rider1 • Premium deposit account rider • Chronic illness rider • Same Insured Term Rider2 1 • Credit of paid-up additions for disability rider • Survivor purchase option rider3 • Enhanced blended insurance rider • Terminal illness rider • Guaranteed insurability option rider1 • Waiver of premium disability rider1 No policy fee

1. These riders are not available with single pay.

2. SITR is not available on Single Pay WL. SITR level pay period cannot exceed the WL Select base pay period.

3. Not available with single pay and 10-pay.

10

LIFE INSURANCE

Whole Life Select (continued) Benefit and rider costs • Accelerator and Blend Accelerator Paid-up Additions Riders: — Minimum premium: $10 monthly — Maximum premium without evidence of insurability: 3x base premium in most years — Renewal year PUAR load is 10%, grades down at older ages — FY PUAR load depends on issue age: » 0–39: 15% » 40–54: 15% » 55+: 10% • Children’s Benefit Rider: $6.50 per unit • Credit of Paid-up Additions for Disability Rider: Varies.

Refer to OneSource Online > Products for details.

• Chronic Illness Rider: No additional premium • Enhanced Blended Insurance Rider: Varies by issue age, gender, risk classification and the selected projected age-to-persist at the assumed dividend scale • Guaranteed Insurability Option Rider: Varies.

Refer to OneSource Online > Products for details.

• Indexed Dividend Crediting Option Rider: No additional premium • Loan Interest Rate Limitation Rider: No additional premium • Preferred Loan Rate Rider: No additional premium • Premium Deposit Account Rider: — Minimum contribution: $10 monthly — Maximum contribution: 10% of the amount of insurance • Same Insured Term Rider — Not available on Single Pay WL Select — Pay period cannot exceed the base pay period • Survivor Purchase Option Rider: Varies. Refer to OneSource Online > Products for details.

• Terminal Illness Rider: No additional premium • Waiver of Premium Disability Rider: Varies.

Refer to OneSource Online > Products for details.

11

Term life insurance OneAmerica® Term Target markets

Clients who: Want temporary life insurance protection • Want low-cost coverage T2022 American United Life Insurance Company® •

Policy form number series Issuing company Highlights

Issue ages

10-year level term: 18 – 70 15-year level term: 18 – 65 • 20-year level term: 18 – 55 nontobacco, 18 – 45 tobacco • 30-year level term: 18 – 501 • Elite nontobacco • Preferred nontobacco • Select nontobacco • Standard nontobacco • Preferred tobacco • Standard tobacco none $100,000 • Band 1: $100,000–$249,999 • Band 3: $500,000–$999,999 • Band 2: $250,000–$499,999 • Band 4: 1 Million + Guaranteed level periods for 10, 15, 20 or 30 years • Accelerated Benefit Rider: No additional premium • Aviation Exclusion Rider • Waiver of Premium Disability Rider (5-year own occupation) Cost varies • Children’s Benefit Rider: $6.50 per unit $85 per year • •

Underwriting classes

Conversion periods Minimum face amount Bands Premiums Benefits and rider costs

Fees 1. Not available in California.

12

OneAmerica® Premier Term Target markets

Clients who: Have a temporary need for coverage and may want permanent coverage later • Want low-cost coverage T2020 American United Life Insurance Company® •

Policy form number series Issuing company Highlights

Issue ages

10-year level term: 18 – 70 15-year level term: 18 – 65 • 20-year level term: 18 – 55 nontobacco, 18 – 45 tobacco • 30-year level term: 18 – 501 • Elite nontobacco • Preferred nontobacco • Select nontobacco • Standard nontobacco • Preferred tobacco • Standard tobacco • 10-year level term: 10 years • 15-year level term: 15 years • 20-year level term: 18 years • 30-year level term: 18 years $100,000 • Band 1: $100,000–$249,999 • Band 3: $500,000–$999,999 • Band 2: $250,000–$499,999 • Band 4: 1 Million + Guaranteed level periods for 10, 15, 20 or 30 years • Accelerated Benefit Rider: No additional premium • Aviation Exclusion Rider • Waiver of Premium Disability Rider (5-year own occupation and optional Waiver Conversion Option) Cost varies • Children’s Benefit Rider: $6.50 per unit $85 per year • •

Underwriting classes

Conversion periods

Minimum face amount Bands Premiums Benefits and rider costs

Fees 1. Not available in California.

13

Asset-based Care Solutions Asset-based Care Solutions offer annuity and life insurance protection with longterm care benefits if needed.

In this section you will find: • Asset Care® • Annuity Care® • Indexed Annuity Care® • Immediate Care® • Legacy Care®

14

ASSET-BASED CARE SOLUTIONS

Asset Care Asset Care can help your clients protect against the risk of LTC expenses and provides a way to pass their assets down to the next generation if they never need care. Asset Care can accommodate many types of assets to fund LTC protection. All Asset Care policies include the following guarantees: death benefit, cash value growth, access to 100 percent of the death benefit for qualifying LTC expenses and an optional rider for lifetime LTC coverage at premiums guaranteed never to increase.

Asset Care Single Premium Whole Life Policy structure Single-premium whole life insurance Policy form number L302, R537 and R538 series Issue ages (age last • Single and joint: 35–80 birthday) • Maximum 25-year age difference between unrated joint insureds Source of premium Guarantees

Benefit triggers

Long-term care benefits

Long-term care elimination period Minimum face amount

Simple reallocation of CDs, stocks, mutual funds, money markets, savings accounts or cash; transfers of existing life insurance via 1035 exchange • No additional premium required* • Cash value growth • Death benefit (if not used for LTC) *Additional premiums for Continuation of Benefits Rider may be required if chosen at point of sale • On a monthly basis, the death benefit can be accelerated for qualifying LTC expenses.

• All are reimbursement contracts. Qualification is based on receiving care because the chronically ill individual is either: — unable to perform two of six ADLs for a period that is expected to last at least 90 days, or — severely cognitively impaired.

• Care in a LTC facility (all levels) • Care coordination • Care in an assisted living facility • Caregiver training • Home health care, including homemaker service • Supportive equipment • Hospice care (Benefit details can be found in the Outline • Adult day care of Coverage, including information on policy • International facility exclusions and limitations. Producers must • Respite care provide the Outline of Coverage to applicants.)

• Bed reservation • Benefits for LTC are available to be paid as soon as 0 days after home health care begins.

• All other facility care requires 90 days of care within 270 calendar days before benefits will be paid. $50,000 (differs in CA, SD, WA and WI)

15

Asset Care Single Premium Whole Life (continued) Acceleration of 50 months, 33 months, 25 months* benefits (AOB) *25 months not available on joint policies duration options Continuation of • This optional rider can extend LTC benefits if the Acceleration of Benefits balance (AOB balance) has benefits (COB) Rider been reduced to zero for qualifying LTC expenses.

• COB durations: — Lifetime — 50 months base = 50 months of extended benefits — 33 months base = 33 months of extended benefits — 25 months base* = your choice of 25 or 50 months of extended benefits *Not available on joint policies • Single premium, or COB funding frequency • Recurring premium (5-pay, 10-pay, 20-pay or pay-to-95) Access to cash value Loans made at 7.4% in advance Type of policy for tax • Modified endowment contract (MEC). purposes • Loans and withdrawals taxable to the extent of gain in the policy. See the Tax Treatment section of this guide for more information.

Asset Care with Return of Premium Policy structure Single-premium whole life insurance Issue ages (age last • Single and joint: 35–80 birthday) • Maximum 25-year age difference between unrated joint insureds Source of premium Simple reallocation of CDs, stocks, mutual funds, money markets, savings accounts or cash; transfers of existing life insurance via 1035 exchange Return of premium • The ROP benefit ensures clients can access their funds whether they’re used for LTC expenses, passed on as a death benefit, or returned to the owner minus any prior distributions.

• The return of premium benefit applies to the base life policy premium, the acceleration of benefits premium and the continuation of benefits premium. It does not apply to the Inflation Protection premium on the Acceleration of Benefits Rider or the Inflation Protection premium on the Continuation of Benefits Rider.

• No additional premium required Guarantees • Cash value growth • Death benefit (if not used for LTC) Benefit triggers • On a monthly basis, the death benefit can be accelerated for qualifying LTC expenses.

• All are reimbursement contracts. Qualification is based on receiving care because the chronically ill individual is either: — unable to perform two of six ADLs for a period that is expected to last at least 90 days, or — severely cognitively impaired.

16

ASSET-BASED CARE SOLUTIONS

Asset Care with Return of Premium (continued) Long-term care • Care in a LTC facility (all levels) benefits • Care in an assisted living facility • Home health care, including homemaker services • Hospice care • Adult day care • International facility • Respite care Long-term care elimination period

Bed reservation Care coordination • Caregiver training • Supportive equipment (Benefit details can be found in the Outline of Coverage, including information on policy exclusions and limitations. Producers must provide the Outline of Coverage to applicants.)

• Benefits for LTC are available to be paid as soon as 0 days after home health care begins.

• All other facility care requires 90 days of care within 270 calendar days before benefits will be paid. $50,000 (differs in CA, SD, WA and WI) • •

Minimum face amount LTC maximum 50 months monthly payout options Continuation of • This optional rider can extend LTC benefits if the Acceleration of Benefits balance (AOB balance) has benefits (COB) Rider been reduced to zero for qualifying LTC expenses.

• COB duration: — 50 months base = 50 months of extended benefits COB funding Single premium only frequency Access to cash Loans made at 7.4% in advance value Type of policy for tax • Modified endowment contract (MEC). purposes • Loans and withdrawals taxable to the extent of gain in the policy. See the Tax Treatment section of this guide for more information.

Asset Care Recurring Premium Whole Life Policy structure Recurring-premium whole life insurance Issue ages (age last • Single and joint: 35–80 birthday) • Maximum 25-year age difference between unrated joint insureds Source of premium Use current income, cash, savings or simple reallocation of CDs, stocks, mutual funds, money markets; transfers of existing life insurance via 1035 exchange Premium modes 5-pay, 10-pay, 20-pay or pay-to-95 (Pay-to-95 is based on the age of the older insured on a joint contract.)

Guarantees • Cash value growth • Death benefit (if not used for LTC) Benefit triggers • On a monthly basis, the death benefit can be accelerated for qualifying LTC expenses.

• All are reimbursement contracts. Qualification is based on receiving care because the chronically ill individual is either: — unable to perform two of six ADLs for a period that is expected to last at least 90 days, or — severely cognitively impaired.

17

Asset Care Recurring Premium Whole Life (continued) Long-term care • Care in a LTC facility (all levels) • Care coordination benefits • Care in an assisted living facility • Caregiver training • Home health care, including homemaker services • Supportive equipment • Hospice care (Benefit details can be found in the Outline • Adult day care of Coverage, including information on policy • International facility exclusions and limitations. Producers must • Respite care provide the Outline of Coverage to applicants.)

• Bed reservation • Benefits for LTC are available to be paid as soon as 0 days after home health care begins.

Long-term care elimination period • All other facility care requires 90 days of care within 270 calendar days before benefits will be paid.

Minimum face $50,000 (differs in CA, SD, WA and WI) amount LTC maximum 50 months, 33 months, 25 months* monthly payout *25 months not available on joint policies options Continuation of • This optional rider can extend LTC benefits if the Acceleration of Benefits balance (AOB balance) has benefits (COB) Rider been reduced to zero for qualifying LTC expenses.

• COB durations: — Lifetime — 50 months base = 50 months of extended benefits — 33 months base = 33 months of extended benefits — 25 months base* = your choice of 25 or 50 months of extended benefits *Not available on joint policies • Matches that of base policy COB funding frequency Access to cash • Loans made at 7.4% in advance value Type of policy for tax • Can vary on a case-by-case basis purposes • Loans and withdrawals taxable to the extent of gain in the policy. See the Tax Treatment section of this guide for more information.

18

ASSET-BASED CARE SOLUTIONS

Asset Care Annuity Funding Whole Life Annuity policy An annuity which funds a 10-pay whole life insurance policy with accelerated death benefits for structure qualifying LTC expenses using an income rider; can be funded with either qualified or non-qualified funds Issue ages (age last • Single and joint: 591/2–80 birthday) • Maximum 25-year age difference between unrated joint insureds Source of premium 1035 exchange of existing nonqualified annuities or qualified money, direct transfer or rollover of an existing IRA, cash Guarantees • No additional premium required • Cash value growth • Death benefit (if not used for LTC) Benefit triggers • On a monthly basis, the death benefit can be accelerated for qualifying LTC expenses.

• All are reimbursement contracts. Qualification is based on receiving care because the chronically ill individual is either: — unable to perform two of six ADLs for a period that is expected to last at least 90 days, or — severely cognitively impaired.

• Care in a LTC facility (all levels) • Care coordination Long-term care benefits • Care in an assisted living facility • Caregiver training • Home health care, including homemaker services • Supportive equipment • Hospice care (Benefit details can be found in the Outline • Adult day care of Coverage, including information on policy • International facility exclusions and limitations. Producers must • Respite care provide the Outline of Coverage to applicants.)

• Bed reservation • Benefits for LTC are available to be paid as soon as 0 days after home health care begins.

Long-term care elimination period • All other facility care requires 90 days of care within 270 calendar days before benefits will be paid.

Minimum face $50,000 (differs in CA, SD, WA and WI) amount LTC maximum 50 months, 33 months, 25 months* monthly payout *25 months not available on joint policies options Continuation of • This optional rider can extend LTC benefits if the Acceleration of Benefits balance (AOB balance) has benefits (COB) Rider been reduced to zero for qualifying LTC expenses.

• COB durations: — Lifetime — 50 months base = 50 months of extended benefits — 33 months base = 33 months of extended benefits — 25 months base* = your choice of 25 or 50 months of extended benefits *Not available on joint policies COB funding 10-pay (funded via the annuity withdrawals) frequency Access to cash Loans made at 7.4% in advance value Type of policy/ • Can vary on a case-by-case basis contract for tax • Loans and withdrawals taxable to the extent of gain in the policy/contract. See the Tax Treatment purposes section of this guide for more information.

19

Annuity Care Annuity Care® combines long-term asset growth and LTC protection. Your clients can access their annuity values for qualifying LTC expenses. Additional LTC benefits are available when the Continuation of Benefits is purchased.

Annuity Care® Target markets Sweet spot

Policy form number series Issuing company

Ages 70–85 • Higher interest rate credited to funds withdrawn for qualifying LTC expenses (paid monthly) • Underwriting generally completed within 72 business hours of receipt of application • Pension Protection Act compliant when funds accepted are nonqualified premium SA34 and R508 The State Life Insurance Company®

Highlights

Issue ages Policy structure

Most beneficial rate Tax advantages (for nonqualified premium) Premium type Minimum premium Maximum premium Interest rates LTC account value withdrawal period Continuation of Benefits (COB) for Long-Term Care Option

20

50–85 • Deferred annuity that allows monthly withdrawals for qualifying LTC expenses (subject to monthly maximums) • A higher interest rate is credited to funds withdrawn for LTC expenses with LTC Maximizer • An optional Continuation of Benefits can extend LTC benefits beyond the annuity value Protects your clients from changes in interest rates from the application signed date to the contract date • LTC benefit payments from annuity value are income-tax free as a reduction of basis • LTC benefit payments from the Continuation of Benefits are income-tax free Single premium; nonqualified and qualified $10,000 (may vary by state) $500,000 A minimum interest rate is credited to both the LTCAV and the AV. Contact your State Life representative for current and guaranteed interest rates in your state(s). The interest rate for the LTCAV is guaranteed for five years from the contract effective date.

36 months — single and joint annuitant 36 months • Lifetime •

ASSET-BASED CARE SOLUTIONS

Annuity Care (continued) LTC elimination/ waiting period LTC withdrawals Death of owner/annuitant (single contract) Death of owner/annuitant (joint contract) Benefits and riders

Clients have a 7-day waiting period before they can take withdrawals for LTC expenses.

Reimbursement: The payment amount is based on the actual expenses incurred for qualifying LTC expenses up to the monthly benefit limit.

Surrender charges are waived upon the death of the owner or annuitant (if the same).

If the owner is not the annuitant, the death benefit is the cash surrender value.

Surrender charges are waived upon the death of the surviving annuitant (second annuitant to die).

Continuation of Benefits (COB) for Long-Term Care • Eligible person option allows spouse to utilize LTC provisions Benefit and rider costs Benefit and rider costs vary. Refer to Online Services > Products for details.

Surrender charges Surrender charge schedule (may vary by state) Year 1 2 3 4 5 6 7 8 % 8 8 8 7 6 5 4 3 Fees No policy fees

Annuity Care® II Target markets Sweet spot

Policy form number series Issuing company

•

9 2

10+ 0

Ages 65–80 • Higher interest rate credited to funds withdrawn for qualifying LTC expenses (paid monthly) • Pension Protection Act compliant since funds accepted are nonqualified premium sources • Underwritten with no medical exams • Available to single and joint insureds (annuitants) SA35 The State Life Insurance Company®

Highlights

Issue ages Policy structure

Most beneficial rate Tax advantages

Premium type Minimum premium Maximum premium

40–80 • Deferred annuity that allows monthly withdrawals for qualifying LTC expenses (subject to monthly maximums) • A higher interest rate is credited to funds withdrawn for LTC expenses • A built-in Continuation of Benefits extends LTC benefits beyond the annuity value and is purchased through an insurance charge deducted monthly from the annuity values Protects your clients from changes in interest rates from the application signed date to the contract date • LTC benefit payments from the LTC annuity value are income tax-free as a reduction of basis • LTC benefit payments from the Continuation of Benefit balance are income-tax free • The monthly charge to pay for the Continuation of Benefit balance is income tax-free as a reduction of basis in the LTC annuity value Single premium; nonqualified premium sources only $10,000 (may vary by state) $500,000, $300,000 if inflation protection is selected

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Annuity Care® II (continued) Interest rates LTC account value withdrawal period Continuation of Benefits (COB) for Long-Term Care Option LTC elimination/ waiting period LTC withdrawals Death of owner/annuitant (single contract) Death of owner/annuitant (joint contract) Funds accepted Benefits and riders

A minimum interest rate is credited to both the LTCAV and the AV. Contact your State Life representative for current and guaranteed interest rates in your state(s). The interest rate for the LTCAV is guaranteed for five years from the contract effective date.

• 24 months — single annuitant • 30 months — joint annuitant or single annuitant with eligible person • 3 years (ages 40 to 80) Clients have a 90-day elimination period before they can take withdrawals for LTC expenses Reimbursement: The payment amount is based on the actual expenses incurred for qualifying LTC expenses up to the monthly benefit limit.

Surrender charges are waived upon the death of the owner or annuitant.

Surrender charges are waived upon the death of the surviving annuitant (second annuitant to die).

Nonqualified premium sources only • Annuity Care® Plus Continuation of Benefits (COB) for Long-Term Care • Eligible person option allows spouse to utilize LTC provisions Benefit and rider costs Benefit and rider costs vary. Refer to Online Services > Products for details.

Surrender charges Surrender charge schedule (may vary by state) Year 1 2 3 4 5 6 7 8 % 9 8 7 6 5 4 3 2 Fees No policy fees

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9 1

10+ 0

ASSET-BASED CARE SOLUTIONS

Indexed Annuity Care As a fixed indexed annuity that provides benefits for qualifying LTC expenses, Indexed Annuity Care® can help your clients grow their assets, protect the from downside risk and create a barrier between them and the risks associated with LTC. Indexed Annuity Care® Target markets Sweet spot

Policy form number series Issuing company

Ages 40–80 • Higher interest rate credited to funds withdrawn for qualifying LTC expenses (paid monthly) • Pension Protection Act compliant with nonqualified premium sources • Underwriting generally completed within 72 business hours of receipt of application • Optional extension on LTC benefits with guaranteed premiums SA36, R529 and R530 The State Life Insurance Company®

Highlights

Issue ages Policy structure

Premium type Minimum premium Maximum premium

40–85 • Deferred annuity that allows monthly withdrawals for qualifying LTC expenses (subject to monthly maximums) • Built-in increase in value for qualifying LTC expenses • An optional Continuation of Benefits that extends LTC benefits beyond the annuity value • LTC benefit payments from annuity value are income-tax free as a reduction of basis • LTC benefit payments from the Continuation of Benefits are income-tax free Single premium $50,000 $500,000 (single-premium only)

Funds accepted from

Qualified and nonqualified sources. California only accepts nonqualified.

Indexing options

•

Tax advantages

• • • •

Fixed account Point-to-point (PTP) with cap Point-to-point (PTP) with a participation rate Monthly average (MA) with cap Monthly average (MA) with a participation rate

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Indexed Annuity Care® (continued) LTC account value • 24 months — single annuitant withdrawal period • 30 months — joint annuitant Indexed Annuity Care® Continuation of Benefits (COB) for Long-Term Care Option LTC elimination/ waiting period LTC withdrawals Death of owner/annuitant (single contract) Death of owner/annuitant (joint contract) Benefits and riders Benefit and rider costs Surrender charges Fees

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24 months — single, or 30 months — joint • 48 months — single, or 60 months — joint • Lifetime •

After 60 days of qualifying LTC received, Indexed Annuity Care® will begin paying benefits LTC withdrawals are reimbursed for expenses, up to a monthly amount The designated beneficiary will receive the account value free of surrender charges Surrender charges are waived upon the death of the surviving annuitant (second annuitant to die) Indexed Annuity Care® Plus Continuation of Benefits (COB) for Long-Term Care Option Benefit and rider costs vary. Refer to Online Services > Products for details.

9-year surrender period only; year 1=9%, declining 1% per year to 0% in years 10+ (may vary by state) No policy fees

ASSET-BASED CARE SOLUTIONS

Immediate Care ImmediateCare® SPIA can help your clients prepare for their postworking years with a guaranteed income stream.

Immediate Care® SPIA Target markets Sweet spot Policy form number series Issuing company

ImmediateCare® Plus is only available as a conversion from Legacy Care. Regardless of how long care lasts, ImmediateCare® Plus can help an individual maintain the level of quality care desired.

Ages 60–80 • Designed for individuals whose current priority is to create an income stream • Can bridge the gap between retirement expenses and income sources such as Social Security SA33 The State Life Insurance Company®

Highlights

Issue ages Policy structure Most beneficial rate LTC benefits Premium type Guarantees Minimum premium Funds accepted

Refund options Annuity Payment Increase Option Benefits and riders Benefit and rider costs Surrender charges Fees Payout options

50–90 single annuitant Single premium immediate annuity Protects your clients from changes in interest rates from the application signed date to the contract date N/A Single premium Monthly payments are guaranteed for a select period of time or for life. $10,000 • CDs • Stocks • Cash • Money market account • Mutual funds • Qualified money such as IRAs N/A Income payments can be increased annually between 1%–10%. This increase is the same each year and decided at the time of application. Initial income payments are lower as a result.

Annuity Payment Increase Option Benefit and rider costs vary. Refer to Online Services > Products for details.

None No policy fees • Lifetime income • Life with period certain (for example, income for 10 years, 20 years, etc.)

• Period certain

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Immediate Care® Plus Target markets Sweet spot

Policy form number series Issuing company

Ages 80–95 • Designed for individuals currently receiving LTC • Provides lifetime monthly income to help pay for the unknown cost of LTC • Helps limit losses to an estate SA33 The State Life Insurance Company®

Highlights

Issue ages Policy structure Most beneficial rate LTC benefits Premium type Guarantees Minimum premium Funds accepted Annuity Payment Increase Option Benefits and riders Benefit and rider costs Surrender charges Fees Payout options

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75–99 Single Annuitant Medically underwritten single premium immediate annuity Protects your clients from changes in interest rates from the application signed date to the contract date For clients already receiving LTC, medical underwriting has the effect of providing a higher monthly benefit or a lower single premium than typical, non-underwritten SPIAs. Single premium Monthly payments are guaranteed for the life of the annuitant. $25,000 or the premium required to produce $1,000 in monthly income payments Only available as a conversion from Legacy Care Income payments can be increased annually between 1%–10%. This increase is the same each year and decided at the time of application. Initial income payments are lower as a results.

• Annuity Payment Increase Option • Refund of Premium Benefit and rider costs vary. Refer to Online Services > Products for details.

None No policy fees • Lifetime income with 100% cash refund at death

Legacy Care The Legacy Care® single-premium deferred annuity accumulates cash value at a competitive credited interest rate. The product can create a guaranteed monthly income for life.

Legacy Care Target markets Sweet spot

Policy form number series Issuing company

Ages 70–95 • Deferred annuity designed for the senior market • Interest Rate Bailout Provision offers protection from significant decreases in future renewal rates • A no-cost benefit increase provision can transform Legacy Care® into a funding source for ImmediateCare® Plus if LTC becomes a need (check state availability) SA32, R502 and R503 The State Life Insurance Company®

Highlights

Issue ages Policy structure Most beneficial rate

0–99 (single annuitants only) Single-premium deferred annuity Protects your clients from changes in interest rates from the application signed date to the contract date (for qualifying contracts) LTC benefits N/A Premium type Single premium Minimum premium $10,000 Maximum premium $300,000 Funds accepted Nonqualified Benefits and riders • Interest Rate Bailout Provision • Benefit Increase Provision Benefit and rider costs Benefit and rider costs vary. Refer to Online Services > Products for details.

Surrender charges Surrender charge schedule (may vary by state) Year 1 2 3 4 5 % 7 7 7 7 7 Penalty-free withdrawals • Clients can receive interest, free of surrender charges, after the first contract year.

• Withdrawals reduce the amount available under the Benefit Increase Provision.

Fees No policy fees

6+ 0

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Annuities Fixed annuities provide your clients a retirement strategy with guarantees.

In this section you will find these fixed annuities: • Secure Income Stream • OneAmerica® Freedom Builder • Single Premium Immediate Annuity

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ANNUITIES

Flexible premium deferred income annuity Secure Income Stream flexible deferred income annuity provides clients with a guaranteed income stream they cannot outlive.

Secure Income Stream Annuity Target markets • Ages 45–54: Those who roll over qualified money and/or choose to build income over time; consumers getting ready to lay retirement-income groundwork with Secure Income Stream • Ages 55–64: Consumers with 401(k)/403(b)/IRA balances reallocating before retirement and wanting to lock in guarantees • Ages 65+: Consumers wanting to defer income for longevity insurance Policy form number series LA-33 Issuing company American United Life Insurance Company® Highlights

Issue ages

20–83 for nonqualified contracts and ROTH IRAs • 20–67 for qualified contracts • 35–83 for Qualifying Longevity Annuity Contract (QLAC) Endorsement Policy structure Flexible premium deferred income annuity Guarantees Guaranteed income stream for life Minimum initial premium $5,000 Maximum premium without $1 million home office approval Earliest income date 13 months from the contract date Latest income date • Earlier of 40 years or age 85 for nonqualified contracts • Earlier of 40 years or age 70 for qualified contracts • Earlier of 40 years or first day of the month following the 85th birthday for QLAC Death benefit Available with all options except the income payments for life or joint life •

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Secure Income Stream Annuity (continued) Benefits and riders Automatically included: • Income Payment Mode Change Rider (all contracts) • Income Payment Advance Rider (all contracts) • Income Date Change Rider (all contracts except those with the income payments for life or joint life)

Benefit and rider costs Surrender charges Fees Income options

Survivorship percentage options for joint life

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Optional rider Income Payment Increase Rider (nonqualified contracts only) No additional cost for automatic riders. The Income Payment Increase Rider will reduce the initial payment amount.

None, because the annuity does not allow withdrawals at any time. Clients receive income during the income phase.

None • Income payments for life • Income payments for life with installment refund (must be single premium) • Income payments for joint life with survivor benefit • Income payments for life (or joint life) with a guaranteed period • Income payments for life (or joint life) with cash refund at death 100%, 75%, 662/3% and 50%

ANNUITIES

Fixed indexed annuity OneAmerica® Freedom Builder fixed indexed annuity combines features of a traditional fixed annuity and a market investment. It allows your clients to take advantage of positive market returns in some years while knowing their account value is protected from declines in other years.

OneAmerica® Freedom Builder Target markets • Risk-averse investors who seek security and do not want to invest in registered products • Pre-retiree market, individuals ages 55–70 • Retirees with assets (e.g., savings, CDs, brokerage accounts) that can be used to purchase OneAmerica® Freedom Builder Policy form number series LA-32 Issuing company American United Life Insurance Company® Highlights

Issue ages

7-year surrender charge product qualified and nonqualified: 0–85 • 9-year surrender charge product qualified and nonqualified 0–75 Policy structure • 9-year product is a one-year modified premium deferred fixed indexed annuity • 7-year product is a flexible premium deferred fixed indexed annuity Most beneficial rate Protects your clients from changes in interest rates from the application signed date to the contract date Guarantees 1-year fixed account guarantee period Minimum initial premium • 9-year product: $75,000 • 7-year product: $5,000 qualified money/$10,000 nonqualified money Additional • 9-year product: will accept additional premiums only during the first 12 months premium accepted • 7-year product: will accept additional premiums of $1,000 or more during the life of the contract Maximum premium without $1 million home office approval Minimum cap guarantee 2% (may vary by state) Most beneficial rate Contract index date within 60 days after the application date. The contract will be given the greater of the cap/participation rate on the index date or the rate in effect for contracts issued on the application date.

Premium bonus • Available only on 9-year product • 2% premium bonus • Bonus recapture schedule by year beginning with year 1: 100%, 90%, 80%, 70%, 60%, 50%, 40%, 30%, 20%, 0% •

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OneAmerica® Freedom Builder (continued) Premium bands • Band 1: $10,000–$39,999 for 7-year product only • Band 2: $40,000+ • Contracts with initial premiums of $40,000+ may receive caps and participation rates that are higher than contracts with premiums less than $40,000.

Death benefit Account value at time of death. Surrender charges are waived.

Guaranteed minimum 90% of premiums accumulated at minimum guaranteed interest rate. surrender value Benefits and riders • Premium bonus (available only on 9-year product) • Indexed Guaranteed Income Rider (IGIR) Benefit and rider costs IGIR is optional and available at time of issue. There is a 0.45% annual fee.

Surrender charge period 7-year and 9-year Penalty-free withdrawals 10% free withdrawals Surrender charges (as a percentage of the account value) Withdrawals over 10% of the account value are subject to surrender charges: Year 1 2 3 4 5 6 7 8 9 10+ 99% 8% 7% 6% 5% 4% 3% 2% 1% 0% 79% 8% 7% 6% 5% 4% 3% 0% 0% 0% Withdrawals Any withdrawals from the contract will come 100% from the fixed account first and then pro-rata from the indexed account values Waiver of • Death surrender charges • LTC/nursing home and terminal illness Fees No sales or administration fees Annuitization options • Life • Joint and survivor • Life only • Life with period certain • Fixed period • Life with installment refund Surrender charges If the client chooses a life-contingent annuitization during the surrender charge period at annuitization and after the fifth policy anniversary, a surrender charge will not be assessed.

Note: The above surrender charge schedule is applicable to most states. The schedule varies for California and Connecticut.

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Single Premium Immediate Annuity With SPIA, after clients pay the single premium the focus immediately turns to income payments.

Single Premium Immediate Annuity (SPIA) Target markets Conservative clients wanting: • Immediate payouts • Lifetime income they cannot outlive Policy form number series LA-21, LA-22 and LA-23 Issuing company American United Life Insurance Company® Highlights

Issue ages

0–89 for SPIAs with life contingencies • No issue age restrictions for SPIAs with a fixed period certain Policy structure Single-premium immediate Most beneficial rate Protects your clients from changes in interest rates from the application signed date to the contract date Minimum premium • $5,000 minimum • $2,500 minimum for the Access Advantage program Maximum premium without $1 million home office approval Riders Income Payment Increase Rider (optional) Rider costs None Surrender charges (as a None percentage of the account value) Fees No sales or administration fees Payout options • Joint and survivor • Life only • Life with period certain • Fixed period • Life with installment refund Note: The Access Advantage program mentioned in the minimum premium section allows single-pay policies to meet the seven-pay limits under the Technical and Miscellaneous Revenue Act of 1988 (TAMRA).

•

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Caring for you and your clients is our commitment Examples of the support your clients can receive

You are also our focus

Contract inquiries • What is my current contract value?

• What are my cap and participation rates on my OneAmerica® Freedom Builder fixed indexed annuity?

• When will I get my annual statement?

• Who is my current beneficiary?

You can receive assistance with policy changes, illustrations and advanced sales.

Assistance with account processing and maintenance • Form completion • Transfers or EFT processing • Reallocation requests • Loans or partial withdrawals • Address changes • Beneficiary changes • Claims

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Examples of the support you can receive • Term conversion credit calculations • Policy reinstatements • GIO exercises • Policy reissues OneAmerica Sales Desk

1-877-999-9883 oasalesdesk@oneamerica.com

Additional information Guarantees

Withdrawal charges

All guarantees are subject to the claims-paying ability of the issuing insurance company.

Annuity withdrawals made before age 59½ may be subject to a 10% tax penalty.

Availability of products and features

Note: All factors should be weighed before replacing an existing life insurance or annuity.

All products and features are subject to state availability. Refer to Online Services, www.ols.oneamerica.com, for details.

Issuer for fixed products

Fixed products are issued and underwritten by the companies of OneAmerica®. To determine the issuing company by product, refer to pages 8–39 of this guide.

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Note: Products issued and underwritten by the following OneAmerica companies: American United Life Insurance Company® (AUL) and The State Life Insurance Company® (State Life), Indianapolis, IN.

Not available in all states or may vary by state. Provided content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice.

About OneAmerica®

A national provider of insurance and financial services for more than 140 years, the companies of OneAmerica help customers build and protect their financial futures.

OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset-based long-term care solutions and employee benefit plan products.

© 2020 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica® and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.

Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to our customers.

To learn more about our products, services and the companies of OneAmerica, visit OneAmerica.com/companies.

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