This document provides an overview of how life insurance can help people achieve financial security at different stages of life. It discusses the different types of life insurance products offered by OneAmerica companies, including whole life, term life, and universal life insurance. It explains the benefits these products provide, such as death benefits, cash value accumulation, and living benefits. The document aims to help readers understand how life insurance can help meet goals for estate planning, income replacement, education funding, and more.

1. Products and financial services provided by the companies of OneAmerica®
I-24010
Your journey to
financial security
using life insurance

2. 2
You began your journey along life’s long road as a newborn. In the
years since, you’ve played many roles -- some major, some minor.
While your early years may not remain in your memory bank, you
no doubt uttered words like “mine!” and “no!” when something
important was taken from you.
Your actions showed you wanted to protect and keep the treasures
you cared about most.
Your life’s journey since then has been full of joys, memories, goals
and challenges. Perhaps you’re single, a spouse, parent, business
owner or soon-to-be retiree.

3. How life insurance works
$
$
$
LIFE
INSURANCE
COMPANY
Benefits you can use,
including cash value
you can access as needed
Proceeds your beneficiary can use as
he or she wants — generally free of
federal and state income taxes
During
lifetime
At death
3
Stages of your life’s journey
No matter where you are in your
journey, you may ask yourself:
• What’s important to me?
• What are my goals?
• How can I achieve my goals?
• How can I prepare now for the
unknown challenges ahead?
You might feel anxious when you think about your
strategy for the future. The good news is existing
products and services can help you address your
current and long-term goals.
Life insurance explored
First let’s establish a foundation by defining life
insurance. Life insurance is an agreement between
you and the life insurance company. It’s a promise
that when you die, your loved ones will receive money.
You make payments to the life insurance company in
exchange for financial protection.
When determining if a life insurance product is suitable
for you, consider the associated costs and your long-
term goals.
Benefits at death
Life insurance is an asset. As long as the policy is
active at the insured’s death, a benefit transfers to the
beneficiaries (i.e., the individuals you assign to receive
policy proceeds). This transfer generally is free of
federal and state income taxes.
Benefits during your lifetime
Life insurance can provide more than just a death benefit.
Many life insurance products offer optional riders for
additional protection during your lifetime. One benefit
allows you to continue your coverage at no cost if you
become disabled.
Cash value is a feature of whole life and universal life
insurance. The cash value can grow over time, and
you can borrow from it to address financial needs.
The carrier deducts any outstanding loans from
the benefits before distributing proceeds to your
beneficiaries.
Note: Each optional rider has an additional cost.
Benefits have different long-term advantages. In some
circumstances, the cost of an option may exceed
the actual benefit paid for the option. If you borrow
from the cash value of a whole life or universal life
insurance policy and decide not to repay the amount,
the insurance company will deduct the outstanding
loan from the death benefit and distribute the proceeds
to your beneficiaries. Unpaid policy loans and
withdrawals reduce the cash value and death benefit.
Loans outstanding at policy lapse or surrender cause
immediate taxation on contract gains. The loan interest
is higher than the base policy accumulation rate.

4. 4
Roles in life’s journey
Whether you’re starting a career or enjoying your open adventure, you can
find life insurance options that fit.
Starting out
Beginning
a career
“I want to make good
decisions, but I’m just
getting started.”
Life insurance helps you build
financial protection while
you’re able. If you wait to
purchase life insurance, you
risk an adverse change in
health — which can result in
increased cost or inability to
qualify for coverage. Since
your marital status, financial
obligations and health may
change, it’s a good idea
to obtain coverage now.
Established
Using your career to
build and protect wealth
for the future
“I’ve reached my career peak.
Now I really need to prepare
for the future for myself and
my loved ones.”
When setting goals, you
typically consider your family’s
livelihood. Life insurance helps
you build value that can protect
your family’s goals and help
you reach them. Many life
insurance products also
offer the option to purchase
additional protection you can
use during your lifetime.
Growing
Building a career
and discovering
financial security
“I love my career. I’m just
not sure what to do with
my money.”
Life insurance can provide
financial resources for your
loved ones if something
happens to you. Do you
share a mortgage or rely on
a dual family income? Life
insurance can protect against
loss of income so your loved
ones may maintain their
lifestyle after you’re gone.

5. 5
Shifting gears
Preparing to enjoy
what you’ve earned
“I have a fulfilling life, but
I want to move toward
retirement.”
You can build value in a
cash value accumulating
life insurance policy to
add security during your
retirement. You can continue
to enjoy life and feel confident
that you have a policy in
place to protect your financial
future. Your cash value is
guaranteed and can help
provide access to money when
it is needed.
Open adventure
Enjoying what you’ve
earned and addressing
the unforeseen
“I want to continue enjoying
life, but I worry about the
financial what-ifs.”
You can address unexpected
expenses in a life insurance
policy that accumulates cash
value. Perhaps the children
aren’t completely financially
independent, you eventually
require long-term care or
your parents need financial
assistance. Life insurance can
put you in good position to
provide stability to allow you
to work towards retirement-
income goals and potential
expenses.
Legacy
Leaving resources
for loved ones to
pursue their goals
“I worry that my loved ones
may have problems reaching
their goals if something
happens to me.”
Life insurance allows you to
leave a legacy to your loved
ones in the form of a benefit
paid at your death. You can
apply for a life insurance
amount that may sufficiently
address your loved one’s
financial goals for the future.
Although the future has
uncertainties, you can pass
down what you’ve learned
and earned.

6. 6
What life insurance offers you
Guarantees
One form of life insurance has guarantees regardless
of market fluctuations. Based on the product you select
and as long as you make required payments, you can
receive certain guarantees.
The companies of OneAmerica provide three life
insurance solutions with guarantees.
1.
Whole life insurance
offers you:
• Guaranteed cash value you can use for any
reason during the life of the policy.
• Level cost for the base policy guaranteed to never
increase — regardless of market conditions.
• Potential to earn dividends (a return of the cost
you paid based on the year-to-year experience
of the insurance company) you can use
however you choose.
2.
Term life insurance
offers you:
• Guaranteed level cost for the initial time period (10,
15, 20 or 30 years) and then an annual cost increase.
• Low initial cost compared to other
types of life insurance.
• Pure financial protection with no cash value.
• A privilege to move all or part of your term
insurance to permanent coverage. You can convert
to permanent insurance that accumulates cash
value you can use as you want. A change in your
health since you first purchased your policy cannot
prevent you from obtaining permanent insurance.
3.
Universal life insurance
offers you:
• A guaranteed interest rate.
• Flexible payments so you can pay more or less
premium as needed to suit your budget.
• Adjustable coverage so you can increase or
decrease your life insurance — or switch to a
different option — as your situation changes.
Note: All guarantees are subject to the claims-paying
ability of the issuing insurance company.
Life insurance can provide more than
just a death benefit. Many life insurance
solutions offer benefits you can use
during your lifetime.
Each type of life insurance has features to help you protect your future.
Whether you seek guaranteed cash value or adjustable coverage, you can find
a suitable option to address your goals.

7. 7
How life insurance can address your goals
0% 20%10% 30% 50%40% 60%
Final expenses
To pay off mortgage
Income replacement
Transfer wealth
Estate taxes or estate bills
College funding
Funds for education
Relative bought it for me
Tax savings
Business purposes
Charitable gift
51%
26%
24%
24%
14%
10%
9%
8%
8%
5%
4%
Percentage of consumers
Source: LIMRA’s 2015 Insurance Barometer Study, April 2015 update, page 13
Note: Percent mentioning, multiple responses possible
Top reasons consumers choose life insurance
When you consider your journey and your future, know that life
insurance can address multiple goals — including your personal
life plans — at an affordable cost.
As part of your financial strategy, life insurance can place you in a
favorable position. It helps you build value, protect the people and
things you love and leave a legacy.
Life insurance can address multiple
goals. See how a policy can be
a good fit for you.

8. 8
Finding a suitable
life insurance option
Life insurance features from the companies of OneAmerica
Whole life Term life Universal life
Issuing company American United Life
Insurance Company®
American United Life
Insurance Company®
Pioneer Mutual Life
Insurance Company®
Coverage duration Until age 100 or later To age 95 Until age 100 or later
Cost • Initially higher than term cost
• Level and can be more cost
effective than term because the
whole life cost cannot increase
• Typically higher than universal life
• Initially lower than universal life
and whole life
• Level for the initial time period
(10, 15, 20 or 30 years) and then
the cost increases every year
• Flexible
• Initially higher than term insurance
• Typically lower than whole
life cost
Coverage Level base coverage for the life of
the policy
Level base coverage for the life of
the policy
• Flexible — can increase
or decrease within certain
guidelines
• Multiple options that determine
the amount available
Cash value Guaranteed cash value accumulates
tax-deferred
None Accumulates tax-deferred with a
guaranteed minimum interest rate
Dividends Potential to earn dividends None expected None expected
Advantage • Coverage for a lifetime as long as
required payments are made
• Anticipated dividends
Generally has the highest coverage
for the lowest cost during the initial
time period
• Flexibility
• Coverage for a lifetime as long
as payments are greater than the
cost of insurance
Life insurance options can provide value along your life’s journey. In the chart below,
you’ll see factors to evaluate as you choose life insurance to support your goals.

9. Which type of coverage is most suitable for you?
Whole life insurance may make sense for you if you:
• Want to pay a premium amount that will
never increase.
• Seek lifetime coverage.
• Want to accumulate guaranteed cash values
you can use at any time for any reason.
• Look to receive dividends when the insurance
company has favorable results.
Term insurance may make sense for you if you:
• Just started a family.
• Manage your household on a tight budget.
• Want life insurance coverage only for a specific
time period, such as to cover expenses for your
children’s college years if something happens to you.
• Anticipate you will later want lifetime coverage.
Universal life insurance may make sense for you if you:
• Want flexibility.
• Anticipate times when you can submit additional
payments or when money may be tight.
• Seek lifetime coverage.
Your financial professional understands
your concerns and is prepared to
help you determine which coverage
is most suitable for your goals.
9

10. 10
A knowledgeable financial professional can help you:
• Determine the type and amount of life insurance
you need in your situation
• Understand product features
• Customize a policy to address your goals
• Identify ways you can pay for coverage
Soon you can have a strategy in place to support your
journey to financial freedom.
Note
Dividends are not guaranteed.
All guarantees are subject to the claims-paying ability
of the issuing insurance company.
Some changes to the death-benefit option on a
universal life insurance policy require you to apply for
coverage by answering questions about your current
health. Coverage totals are subject to minimum and
maximum amounts.
The concepts for life insurance uses were derived
under current tax laws. Any future tax law changes may
adversely affect the effectiveness of these concepts.
Whendiscussingloansorwithdrawals,itisimportantto
determineifthepolicyisamodifiedendowmentcontent,
orMEC.Ifthepolicyis aMEC,thenanydistributions
takenfromthepolicywillgenerallybetaxabletothe
extentthereisgaininthecontractandsubjecttoa10%tax
penaltyifthepolicyownerhasnotyetattainedage591/2.
Ifalifeinsurancepolicylapseswithloansoutstanding,
theloanamountbecomessubjecttofederalincometax
totheextentthereisagaininthecontract.Inaddition,
outstandingloansatdeathwillreducethedeathbenefit
ofthepolicy.
The journey to financial security begins
with a single step. Congratulations on
beginning yours!
Start your journey!
Life insurance can be an important part of your overall financial strategy. You can use life
insurance to address your financial goals now and into your future.

12. The companies of OneAmerica®
One American Square, P.O. Box 368
Indianapolis, IN 46206-0368
(317) 285-1111
www.oneamerica.com
© 2015 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica®
and the
OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.
The companies of OneAmerica®: American United Life Insurance
Company®, The State Life Insurance Company®, OneAmerica Retirement
Services LLC, McCready and Keene, Inc., OneAmerica Securities, Inc. and
Pioneer Mutual Life Insurance Company®, which is a stock subsidiary of
American United Mutual Insurance Holding Company
About OneAmerica
OneAmerica Financial Partners, Inc., headquartered
in Indianapolis, Ind., has companies that can trace
their solid foundations back more than 135 years in the
financial services marketplace.
The OneAmerica companies offer a variety of
products and services to serve the financial needs of
their policyholders and customers. These products
include retirement plan products and record-keeping
services; individual life insurance, annuities, asset-
based long-term care solutions and employee benefit
plan products.
The products of the OneAmerica companies are
distributed through a nationwide network of
employees, agents, brokers and other distribution
sources that are committed to increasing value to
policyholders by helping them prepare to meet their
financial goals. To learn more about our products,
services and the companies of OneAmerica, visit
oneamerica.com/companies.
Note: OneAmerica is the marketing name of the companies of OneAmerica.
Products and financial services are issued and underwritten by the companies of OneAmerica.
I-24010 08/20/15