OneAmerica Insurance Review & Ratings (2023)
This OneAmerica Insurance Review will cover OneAmerica Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Mar 8, 2023
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Car insurance is a necessary expense for any driver, but finding the right provider can be a challenge.
OneAmerica insurance is a reputable company that has been in the industry for over 140 years, offering a variety of insurance and financial products and services.
- OneAmerica has been in the insurance industry for over 140 years, offering a range of insurance and financial products and services.
- The company has received an A+ rating from both A.M. Best and Standard & Poor’s, two of the leading independent rating agencies for insurance companies.
- OneAmerica offers unique features in its life insurance policies, such as the ability to convert term policies to permanent policies without medical underwriting and the option to accelerate death benefits for long-term care needs.
In this review, we will take a closer look at OneAmerica insurance, its history, mission, products, discounts, and customer reviews.
History and Mission: OneAmerica Insurance
OneAmerica was founded in 1877 in Indianapolis, Indiana, under the name of State Life Insurance Company. Over the years, the company has grown and expanded its offerings to become a leading provider of insurance and financial services in the United States.
In 2000, the company changed its name to OneAmerica Financial Partners, Inc. to reflect its broader range of products and services.
OneAmerica’s mission is to provide financial security and peace of mind to its customers. The company is committed to helping individuals, families, and businesses protect their assets, plan for the future, and achieve their financial goals.
OneAmerica aims to do this by offering a range of insurance and financial products and services, including life insurance, disability insurance, long-term care insurance, and annuities.
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Coverage Plans Offered by OneAmerica Insurance
OneAmerica offers a range of insurance and financial products and services, including:
- Life insurance: OneAmerica offers a range of life insurance policies, including term life, universal life, and indexed universal life insurance. Their policies provide financial protection and peace of mind to policyholders and their beneficiaries.
- Disability insurance: OneAmerica’s disability insurance policies help protect policyholders’ income in the event of a disabling illness or injury that prevents them from working. They offer both short-term and long-term disability insurance policies.
- Long-term care insurance: OneAmerica’s long-term care insurance policies help policyholders cover the costs of long-term care services, such as nursing home care, in-home care, and assisted living.
- Annuities: OneAmerica offers a variety of annuities, including fixed, indexed, and variable annuities. Annuities can provide a guaranteed stream of income in retirement, and OneAmerica’s products are designed to meet the needs of retirees and pre-retirees.
- Employee benefits: OneAmerica provides a range of employee benefits products and services, including group life insurance, disability insurance, dental insurance, and retirement plans.
- Financial services: OneAmerica also offers financial planning and investment management services, including mutual funds, retirement planning, and estate planning.
It’s worth noting that the availability of these products and services may vary by state. For example, some products may not be available in all states, and certain products may be subject to state-specific regulations.
It’s important to consult with a licensed insurance agent or financial advisor to determine which products and services are right for your specific needs and circumstances.
Insurance Cost with OneAmerica
The cost of insurance with OneAmerica can vary depending on many factors, including the type of insurance policy, the coverage amount, the policyholder’s age and health status, and other risk factors. Additionally, the cost of insurance can vary by state and region.
As with any insurance company, OneAmerica uses actuarial tables and other risk assessments to determine the cost of their policies.
Generally, the premiums for life insurance, disability insurance, and long-term care insurance will be higher for older policyholders or those with pre-existing health conditions, as these individuals may pose a higher risk to the insurance company.
The cost of annuities can also vary depending on the type of annuity, the payout options selected, and other factors.
To get an accurate quote for insurance with OneAmerica, it’s best to speak with a licensed insurance agent or financial advisor.
They can help you assess your needs and provide you with a personalized quote based on your specific circumstances. It’s also a good idea to compare quotes from multiple insurance companies to ensure that you’re getting the best coverage at the most affordable price.
States Offering OneAmerica Insurance
OneAmerica offers insurance and financial services in all 50 U.S. states. However, the availability of specific products and services may vary by state due to regulatory requirements and other factors.
It’s always a good idea to check with a licensed insurance agent or financial advisor to determine which products and services are available in your state.
Overall, OneAmerica’s broad geographic reach makes it a good choice for individuals and businesses who need insurance and financial services in multiple states or regions of the country.
Additionally, the company’s local offices and agents can provide personalized service and support to customers in their communities.
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Discounts Available With OneAmerica Insurance
OneAmerica offers a variety of discounts to help customers save money on their insurance premiums. Here are some examples of discounts that may be available:
- Multi-policy discount: Customers who bundle multiple insurance policies with OneAmerica, such as life insurance and disability insurance, may be eligible for a multi-policy discount.
- Safe driver discount: OneAmerica’s auto insurance policies offer a safe driver discount for policyholders who maintain a clean driving record.
- Good student discount: Parents who insure their teenage drivers with OneAmerica may be eligible for a good student discount if their child maintains a certain GPA or meets other academic requirements.
- Professional association discount: OneAmerica partners with many professional organizations and associations to offer discounts on insurance premiums to members.
- Loyalty discount: Customers who have been insured with OneAmerica for a certain period may be eligible for a loyalty discount.
It’s worth noting that the availability and amount of these discounts may vary by state and policy type.
Additionally, some discounts may not be available in all states or may be subject to certain conditions or limitations. It’s important to speak with a licensed insurance agent or financial advisor to determine which discounts you may qualify for and how much you can save.
Customer Feedback for OneAmerica Insurance
Customer reviews of OneAmerica are generally positive, with many customers praising the company’s customer service, product offerings, and financial stability. Here is a summary of some common themes found in customer reviews:
- Strong financial ratings: OneAmerica has consistently earned high ratings from independent financial ratings agencies, such as AM Best and Standard & Poors. This has given customers confidence in the company’s financial stability and ability to pay claims.
- Personalized service: Many customers appreciate the personalized service and attention they receive from OneAmerica’s agents and customer service representatives. Customers report that agents take the time to understand their needs and help them find the right insurance products to meet their goals.
- Competitive pricing: Customers report that OneAmerica’s insurance products are competitively priced compared to other insurance companies. Some customers also report that they were able to save money by bundling multiple insurance policies with OneAmerica.
- Quick and easy claims process: Many customers have had positive experiences with OneAmerica’s claims process, reporting that it was quick, easy, and hassle-free.
- Limited negative reviews: While some customers have had negative experiences with OneAmerica, these reviews are relatively rare. Some customers have reported issues with delays in processing claims or difficulty getting in touch with customer service representatives.
Overall, customer reviews suggest that OneAmerica is a reputable and reliable insurance company with a strong focus on customer service and financial stability.
Roundup: OneAmerica Insurance
OneAmerica is a reputable and financially stable insurance and financial services company that offers a range of products and services to individuals and businesses across the United States. The company has a strong history and mission focused on helping customers achieve financial security and peace of mind.
OneAmerica’s product offerings include life insurance, disability insurance, long-term care insurance, annuities, and more, and the company offers a variety of discounts to help customers save money on their insurance premiums.
Customer reviews of OneAmerica are generally positive, with customers praising the company’s customer service, product offerings, and financial stability. Overall, OneAmerica is a good choice for individuals and businesses who are looking for high-quality insurance and financial services from a reputable and reliable provider.