American United Life Insurance Review (2021)
American United Life Insurance Company is a small life insurance company based in Indianapolis, IN. Despite its size, it maintains an A+ (Superior) rating with A.M. Best. Life insurance for American United provides term life policies and variable life insurance policies. Finding rates for the company may harder than expected. Fortunately, we have tools where you can shop around and compare companies.
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UPDATED: Jan 20, 2021
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- 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 Summary||Stats||Source|
|Year Founded||1877||National Association of Insurance Commissioners (NAIC)|
|Total Assets||$15 Billion||National Association of Insurance Commissioners (NAIC)|
|Direct Premiums Written||$4.3 Billion||National Association of Insurance Commissioners (NAIC)|
|Market Share||0.26||National Association of Insurance Commissioners (NAIC)|
|NAIC Complaint Index||0.04||National Association of Insurance Commissioners (NAIC)|
|Headquarters||One American Square Indianapolis, IN 46282-0001||National Association of Insurance Commissioners (NAIC)|
|Phone Number||317-285-1877||National Association of Insurance Commissioners (NAIC)|
|Website||https://www.oneamerica.com/||National Association of Insurance Commissioners (NAIC)|
|Available In||All States||National Association of Insurance Commissioners (NAIC)|
|Best For||Term Life and Permanent Life Insurance||One 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.
|Better Business Bureau (BBB)||A+|
|NAIC Complaint Index||0.04|
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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, 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.
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.