Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 20, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • American United Life Insurance Company provides coverage for individuals and businesses.
  • The company has an A+ rating at A.M. Best and an AA- with S&P Global.
  • Life insurance rates at American United are private, but the company promises lower rates under term life.

The American United Life Insurance Company is based in Indiana but maintains an excellent A.M. Best and S&P rating. However, the company’s life insurance rates are private. It doesn’t mean you can’t see what services they provide.

As we go through this review, we’ll explain how to secure affordable term life insurance quotes and we’ll give you more information about American United Life Insurance.

Enter your ZIP code in the FREE online quote tool to see if American United Life Insurance Company will turn up in your results. You may find cheap life insurance rates.

What is the American United Life Insurance Company?

American United Life Insurance goes back to 1877. Today, American United is one of four companies that underwrite for One America—a company with over $15 billion in total assets, as you can see in the table below.

American United Life Insurance Summary
American United SummaryStatsSource
Year Founded1877National Association of Insurance Commissioners (NAIC)
Total Assets$15 BillionNational Association of Insurance Commissioners (NAIC)
Direct Premiums Written$4.3 BillionNational Association of Insurance Commissioners (NAIC)
Market Share0.26National Association of Insurance Commissioners (NAIC)
NAIC Complaint Index0.04National Association of Insurance Commissioners (NAIC)
HeadquartersOne American Square Indianapolis, IN 46282-0001National Association of Insurance Commissioners (NAIC)
Phone Number317-285-1877National Association of Insurance Commissioners (NAIC)
Website Association of Insurance Commissioners (NAIC)
Available InAll StatesNational Association of Insurance Commissioners (NAIC)
Best ForTerm Life and Permanent Life InsuranceOne America
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It’s located in Indianapolis, IN but does business all over the United States. Since American United is an extension of One America, your state may carry a different company.

American United Life Insurance Company Ratings

If you’ve never heard of American United, several agencies know if the company is reliable regarding life insurance coverage. Those agencies include A.M. Best, the Better Business Bureau, the NAIC, and Standards & Poors Global (S&P Global).

Each agency uses a unique grading system that judges how well companies manage money and respond to their customers. Our research found American United Life Insurance Company’s grades and compiled them into one research table.

American United Life Insurance Company Ratings
AM BestA+
Better Business Bureau (BBB)A+
NAIC Complaint Index0.04
S&P GlobalAA-
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Overall, American United stands as an excellent-rated and robust company. What do these ratings mean, though? Let’s review them in the subsections below.

A.M. Best

A.M. Best, the most reliable financial strength agency, shows that American United Life Insurance has an A+ rating. The rating means American United has excellent financial strength and superior capability to meet obligations to its customers.

Better Business Bureau (BBB)

BBB’s rating is straightforward. The A+ rating says most customers are pleased with American United’s response to customers.

NAIC Complaint Index

A complaint index is a ratio at which American United Life Insurance Company received complaints. The average ratio is 1.00 to 1.15. American United is 0.04 — a ratio much lower than the average.

S&P Global

The S&P Global ratings focus on a company’s credit risk. American United Life Insurance has an AA- which means they have a low credit risk. However, they’re susceptible to credit risk in the long term.

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American United Life Insurance Rates

We looked all over the web for public American United life insurance quotes, but we couldn’t locate any. When you buy American United Life Insurance, you’ll likely get your prices directly from the company. All life insurance rates are based on your age, health condition, and policy type.

American United Life Insurance Coverages

Like many other life insurance companies, American United has term life and permanent life insurance policies. Any term life insurance policy will be cheaper than permanent life insurance.

American United provides coverage for individuals, families, and businesses. Group life insurance comes with several rules. Therefore, you should research the best types of policies for different needs. For now, let’s explore what each coverage does at American United.

Term Life Insurance

A term life insurance policy lasts for a specific period. Most term life policies have a 10-year term, a 12-year term, or a 20-year term. The life insurance cost per month will depend on your coverage limit, age, and health condition.

Permanent Life Insurance

Your permanent life insurance policy is determined by coverage limit, age, and health condition. However, permanent life insurance lasts for life. Younger policyholders pay cheaper rates, while middle-aged recipients and seniors pay more.

Whole Life Insurance

This life insurance policy allows you to pay life insurance per month and send part of your premium to savings you can borrow against whenever you need it.

Variable Life Insurance

Under variable life insurance, you can create the same savings as whole life insurance, but with a perk: use your savings for investment opportunities.

American United Life Insurance Company: The Bottom Line

According to A.M. Best and S&P Global agencies, the American United Life Insurance Company is reliable. However, you won’t get any American United life insurance rates publically, so you’ll need to get a life insurance quote from One America.

If you still want to compare other companies to American United Life Insurance Company, enter your ZIP code in the FREE comparison tool below.