Retirement service capabilities of the OneAmerica companies Products and financial services provided by the companies of OneAmerica Financial Partners, Inc.
Our commitment What makes us different is our commitment to our stakeholders. As a member of a mutual organization, we are accountable to those we serve. We listen to our clients and strive to find individualized solutions to their needs. We take our commitments very seriously and keep them faithfully. Built on a century-old Quick overview Why choose the Companies of OneAmerica About OneAmerica About American United Life Insurance Company McCready and Keene Building a solid retirement Investment options Thorough due diligence in investment selection Helping meet fiduciary responsibilities Services for plan administration Assistance for your plan administration Employees enjoy easy access to information Ongoing education and communication Transition process For more information, please call our National Retirement Product and Sales desk at 1-866-313-7355 or visit us at www.oneamerica.com. foundation of quality, value and strength, our commitment is that we ll be there when our customers need us most. 2 3
Why choose OneAmerica Our financial strength and demonstrated leadership, combined with personalized attention and a focus on client value, can give you confidence that you are selecting a suitable plan provider. At a time when more than 80 percent of large life insurance companies have been subject to negative rating actions, ours have remained strong. About OneAmerica OneAmerica Financial Partners can trace its foundation back more than 135 years in the insurance and financial services industries. Our nationwide network of companies offers a variety of products, including retirement plans, products and services; individual life insurance, annuities, long-term care solutions and employee benefits. The companies helps consumers prepare for tomorrow by helping to protect their financial futures. The companies of OneAmerica include: American United Life Insurance Company (AUL) OneAmerica Securities, Inc. McCready and Keene, Inc. About AUL American United Life Insurance Company (AUL) is the founding member of OneAmerica and is focused on providing a strong portfolio of products for individuals, families and small businesses. Strength and stability Trace roots back more than 130 years $24 billion in combined assets for OneAmerica, as of December 31, 2010 S&P Rating AA- (Very Strong) A.M. Best s Rating A+ (Superior) 45+ years in the retirement business A.M. Best s A+ (Superior) is the second highest of 16 possible ratings, according to the release dated May 10, 2011. Standard & Poor s AA- (Very Strong) is the fourth highest of 21 possible ratings, according to its report dated August 3, 2010. These ratings reflect agency assessment of the financial strength and claimspaying ability of the insurance companies listed. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Because the dates are only updated when there s a change in the rating, the dates above reflect the most recent ratings we have received. Please know that these ratings can change at any time. Client loyalty With more than 9,900 active plans (as of December 31, 2010), we can measure our commitment to be there when our customers need us most by the tenure of our clients. Average retention as of December 31, 2010: 14.3 years for plans over $10 million 12.8 years for $5-10 million plans 11.7 years for $1-5 million plans 16.1 years for plan under $1 million 96% retention rate About McCready and Keene, Inc. McCready and Keene, Inc. specializes in designing, installing and administering customized retirement plans. Services provided: Defined Contribution (DC) plans Defined Benefit (DB) plans 401(k) plans 403(b) plans 457 plans Money purchase pension plans Profit sharing plans Employee Stock Ownership Plans (ESOP) 4 5
Investment options for retirement plans Offering a quality retirement plan is vital to attracting and retaining employees. Choosing a high quality plan provider can help protect the future for employees and businesses. We offer a robust selection of investment options and services that meet the needs of retirement plans. Investment options prescreened or open architecture More than 200 carefully preselected investment options from 30 investment companies. No subadvised investment options or proprietary variable investment requirements. Flexibility in set-up, investment selection and participant guidance. Open architecture Quarterly due diligence process We understand the importance of selecting investment that are appropriate for the reporting plan. We will provide a quarterly due diligence report for plan sponsors to perform tracking of investment performance. Plan Sponsor Advice from Mesirow Financial Plan Sponsor Advice helps you select and maintain a suitable portfolio of investment options. Offered by Mesirow Financial Investment Management (Mesirow Financial), Plan Sponsor Advice assists in creating, documenting and maintaining retirement plan portfolios. If a plan follows the specific recommendations made for your plan by Plan Sponsor Advice, Mesirow Financial will act as a co-fiduciary as defined in Section 3(21)(a) (ii) of ERISA, with respect to the selection and ongoing monitoring of the plan s investment options. Employee investment selection support Education materials Online services On-site enrollment support Education materials may also be customized for plan sponsors, based on asset level. For those new to plan investing or who seek additional support, we offer auto enrollment features and a choice of Qualified Default Investment Alternatives (QDIA), including target date and asset allocation investment options from well-known management companies. Other features include automatic rebalancing and dollar cost averaging, as well as, automatic transfers from fixed income to other asset categories. The AUL Stable Value Account The AUL Stable Value Account (SVA) is a group fixed annuity that offers a fixed interest guarantee, backed by American United Life Insurance Company s (AUL) general account assets. The interest rate for the AUL Stable Value Account is declared prior to the beginning of the calendar year and guaranteed for that year until a new rate is set for the next year. This investment option offers flexibility at the participant level by allowing money transfers into and out of the account without any restrictions. Note: The AUL Stable Value account is a group fixed annuity, issued by American United Life Insurance Company (AUL), OneAmerican Square, P.O. Box 368, Indianapolis. IN 46206-0368, 1-800-249-6269. All guarantees associated with this account are subject to the claims paying ability of AUL. 6 7
Plan Administrator Services Our service commitment to plan sponsors is fundamental. To assist the plan administrator and plan sponsor with responsibilities, we offer personal attention from retirement plan professionals along with user-friendly high tech tools. Quality service and support can help ease administrative responsibilities. Assistance for your plan administration Personalized service at every point of contact Offices across the U.S. Local support from knowledgeable, experienced retirement plan professionals Single point of contact For online plan management, use www.oneamerica.com We offer online reports and features to simplify your day-to-day administrative tasks. Online services are available 24 hours a day, 7 days a week. You will be able to access the following information online: Participant account information Investment demographics Online loan reports (if applicable) Plan sponsor reports and more Employees enjoy easy access to information Our website and automated voice response system provide around-the-clock access to account information. Personal assistance Personal assistance is available to employees through our toll-free Participant Service Center from 8 a.m. to 8 p.m. Eastern Time, Monday through Friday. Using these secure, user-friendly account management tools, employees can: Enroll Change deferral contribution percentages Transfer balances between investment options Determine account balances Initiate plan loans (if applicable) Find online performance information, investment education, and more Quicken and Microsoft Money online downloads Ongoing education and communication We provide tools to help employees work toward their retirement goals. Education materials Personalized education meetings Interactive Web site Online retirement plan guides and calculators Quarterly statements Enrollment posters, videos and more Transition process The following services are available for employees who have reached a transition point in their career: Proactively contact terminated employees after notification from employer Provide education on the pros and cons of distributions options Help structure distributions to support retirement goals Facilitate consolidation of assets 8 9
We are committed to be there when our customers need us most. For more information, please call our National Retirement Product and Sales Desk at 1-888-313-7355 or visit us at www.oneamerica.com. 10 11
Life Insurance Retirement Employee Benefits Group variable annuity contracts are issued by AUL and registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863, which is a wholly owned subsidiary of AUL. Trust services are provided by a trust company selected by the plan sponsor. The underlying mutual fund investments selected by the plan s financial professional are held in trust by the selected trust company. The trust company is a non-depository trust company that acts as a custodian and/or directed trustee, and is not a member of FINRA, SIPC, or NFA. NOT A DEPOSIT NOT FDIC OR NCUSIF INSURED NOT GUARANTEED BY THE INSTITUTION NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY GO DOWN IN VALUE Mesirow Financial is not an affiliate of the companies of OneAmerica and is not a OneAmerica company. About OneAmerica OneAmerica Financial Partners, Inc., is headquartered in Indianapolis, IN. The companies of OneAmerica can trace their solid foundations back more than 130 years in the insurance and financial services marketplace. OneAmerica s nationwide network of companies offers a variety of products to serve the financial needs of their policyholders and other clients. These products include retirement plan products and services; individual life insurance, annuities, long-term care solutions and employee benefit plan products. The goal of OneAmerica is to blend the strengths of each company to achieve greater collective results. The products of the OneAmerica companies are distributed through a network of employees, agents, brokers and other distribution sources that are committed to increasing value to our policyholders by helping them prepare to meet their financial goals. The companies of OneAmerica : American United Life Insurance Company, The State Life Insurance Company, OneAmerica Securities, Inc., McCready and Keene, Inc. and Pioneer Mutual Life Insurance Company (PML). PML is a stock subsidiary of American United Mutual Insurance Holding Company. OneAmerica Financial Partners, Inc. One American Square, P.O. Box 368 Indianapolis, IN 46206-0368 (317) 285-1111 www.oneamerica.com 2011 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc. R-23416 08/29/11