Broker World

New research shows that all long term care protection is not created equal. Asset-based long-term care stands out as leading option for consumers due to premium and benefit guarantees.

A recent concept report based on research by Wade Pfau, Ph.D., CFA, and Michael Finke, Ph.D., CFP, illustrates the impact of various types of long term care protection on retirement income.  The concept report, Planning for Every Possibility, compares outcomes from self-funding long term care, health-based LTCI and asset-based long term care protection for two hypothetical couples at different stages of preparing for retirement.

Using averages for various levels of care at today’s costs, the report shows that out-of-pocket costs for long term care events can vary widely among types of long term care protection. In addition, asset-based long term care protection stands out as a leading option because of the product’s premium certainty and guaranteed benefit.

“The rising cost of care poses a significant risk to most retirees’ incomes, and our new analysis offers a unique look at the effectiveness of various types of LTC,” said Dr. Pfau, a professor of retirement income at The American College for Financial Services. The research simulates scenarios for couples experiencing a severe long term care event. Only asset-based long term care protection offers premiums guaranteed never to increase, lower out-of-pocket costs than either health-based long term care or self-funding long term care, the option to cover both spouses with one policy, and a potential death benefit if long-term care benefits aren’t fully used.

“Our study demonstrated that a variety of types of LTC protection can significantly reduce risk exposure for retirees, but our behavioral analysis suggests that consumers may not be equally drawn to all types of LTC products,” said Dr. Finke, dean and chief academic officer at The American College of Financial Services. “Even well-informed consumers are only highly likely to purchase LTC products that provide premium certainty. And a guaranteed benefit–either as LTC protection or a death benefit–can appeal to consumers who are otherwise averse to traditional LTC products.”

Planning for Every Possibility, available at www.oneamerica.com/ltcstudies, is a concept report based on Drs. Pfau and Finke’s white paper, Managing long-term care spending risks in retirement.

“This concept report illustrates clearly the differences between health-based and asset-based LTC protection, and self-funding LTC events,” said Pat Foley, president of Individual Insurance and Retirement Services at OneAmerica®. “Asset-based LTC protection is a clear choice for its ability to both reduce out-of-pocket costs and provide guarantees for premiums and benefits.”

A national leader in the insurance and financial services marketplace for 140 years, the companies of OneAmerica help customers build and protect their financial futures. OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset-based long-term care solutions and employee benefit  plan products. Products are issued and underwritten by the companies of OneAmerica and  distributed through a nationwide network of employees, agents, brokers and other sources who  are committed to providing value to our customers. To learn more about products, services and the companies of OneAmerica, visit www.OneAmerica.com/companies.

OneAmerica® is the marketing name for the companies of OneAmerica. Products issued and underwritten by The State Life Insurance Company® (State Life), Indianapolis, IN, a OneAmerica company that offers the Care Solutions product suite. Not available in all states or may vary by state. All guarantees are subject to the claims paying ability of State Life.

LifeMark Partners, Inc., one of the nation’s largest independent national insurance marketing organizations, today announced a new member to its board of directors: Douglas A. Mishkin, president and CEO of Algren Associates, Inc.
He will serve a four-year term.

“Insurance is in Douglas’ blood. He has been around this industry his entire life, and that kind of institutional knowledge is priceless. With a profound understanding of the insurance market and the many nuances of the industry, we are certain that Douglas will bring a sound voice and expert advice to the board,” said William Shelow, CLU, ChFC, CPCU, LLIF, president and chief executive officer, LifeMark Partners.

Mishkin is a third-generation insurance professional. Although he entered the family industry, he chose a different career path from his father and grandfather, who built one of the nation’s largest multi-line and insurance benefits firms.  Mishkin started his career as an agent with MassMutual Financial Group and The Guardian Life Insurance Company. In 1993, he moved to the independent channel by joining Bufkin, Hefferon & Siegel, a brokerage general agency in Manhattan, as their brokerage manager. He joined Algren Associates, Inc., in 1997 and, in 2001, was named president of the firm. In 2006, he assumed the role of chief executive officer when Algren’s founder retired. 

An active leader in the insurance industry, Mishkin served as chairman of the National Association of Independent Life Brokerage Agencies (NAILBA) in 2008, having previously served as a board member for seven years and as chair of its membership committee. In addition to his NAILBA involvement, Mishkin is currently an active member of SubCenters (where he currently serves on their board of directors), the Professional Life Advisors Network (PLAN), Million Dollar Round Table (MDRT), the Association for Advanced Life Underwriting (AALU), and TYGERS study group. In 2009, Mishkin was the recipient of the Stephen A. Kramer Humanitarian Award from the UJA-Federation of New York. He is also a former director of Life Happens, (formerly the Life & Health Insurance Foundation for Education–LIFE), a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial future. He has sat on numerous insurance carrier field advisory councils including North American, Genworth, United of Omaha, ING and MetLife, helping strengthen and develop product lines and more effectively communicate with distribution partners.

Mishkin is frequently quoted and published in financial journals and publications and is an active speaker for national insurance and financial organizations. He has addressed international advisor forums from the Ukraine, Czech Republic, Hungary, Slovakia and Western Europe. Mishkin is a graduate of Franklin & Marshall College in Pennsylvania, where he earned a bachelor’s degree in business management.

“Douglas has been a part of LifeMark Partners for years and previously served on our marketing committee. With his existing knowledge of LifeMark and vast industry perspective from his work with the TYGERS study group, we are fortunate to have him on the board. We are confident that his input will continue to enhance the strategies and resources LifeMark provides to its partner BGAs,” added Mark Rosen, chairman of the board.

LifeMark Partners also announced the addition of Robert B. Olterman, CFP, as the new vice president of Business Development and Marketing.  Olterman will be responsible for the overall and day-to-day marketing activities with a focus on developing key initiatives to expand distribution opportunities and support resources for its BGA partners. 

“Robert is just who we have been looking for; someone with experience in our business as well as extensive knowledge of the many sales channels available to us. His experience in point-of-sale and sales management as well as the various roles he has taken on will also provide him with a deep understanding of our distribution to provide innovative and effective services for our BGA Partners,” said William Shelow, CLU, ChFC, CPCU, LLIF, president and chief executive officer, LifeMark Partners.

For two decades, Olterman has worked in the financial services industry with the bulk of his experience specializing in life insurance at AIM Systems. During his time at AIM, he worked in various roles, learning the ins and outs of insurance distribution challenges and opportunities from the ground up in the following roles: Case design manager in 2000; vice president, agency operations manager in January 2001; regional director in June 2006; senior vice president, national sales manager in June 2008; and his most recent position of president in 2015.

As senior vice president and national sales manager at AIM, Olterman was the relationship manager for institutional clients and interacted with back-office staff to resolve case issues and improve the insurance placement process. As president, he was responsible for business strategy and managing relationships with the company’s institutional clients and insurance carriers. Over the course of his career, he has consistently been recognized for his ability to drive production and develop point-of-sale resources and relationships.

Olterman earned a bachelor’s degree in business administration from Furman University. He earned his Certified Financial Planner certification from Oglethorpe University in Atlanta.

“Throughout my career LifeMark has always maintained a stellar reputation, and now I am truly excited to have the chance to become part of this great organization and work with some of the best in the business to expand on existing resources and opportunities,” said Olterman. “Together we will continue to raise the bar, enabling and equipping our partners to tackle the evolving challenge of increasing life insurance distribution nationwide.”

LifeMark Partners exists to leverage partner, carrier and industry resources and expertise to enhance and expand life insurance distribution for the benefit of all stakeholders. As an independent insurance marketing organization, LifeMark is dedicated to the ongoing development and enhancement of BGA partner resources to help undeniably differentiate partner agencies from the competition. Affiliates benefit from some of the most robust service offerings in the market today, including expansive underwriting capabilities, advanced case design support, sales and product benchmarking tools, and turnkey sales and marketing systems. At its core, LifeMark Partners was founded as a study group more than 40 years ago and is celebrating more than 20 years as a leading IMO. This foundation provides a unique opportunity to form strategic alliances and share best practices for partners to grow their agencies together through regular training, networking and educational opportunities. With unparalleled partnership, expertise and access to these industry-leading resources, LifeMark Partners provides affiliates The strength of many. The power of one. To learn more about the qualifications necessary to become a LifeMark partner, visit www.LifeMarkPartners.com.

The National Association of Insurance and Financial Advisors (NAIFA)–the founders of the Life Underwriter Training Council Fellow (LUTCF) designation–present a new international certification, the Life and Annuity Certified Professionals (LACP), for life and annuity professionals.

The NAIFA LACP serves consumers by recognizing financial professionals with a mark of distinction for their product knowledge, consultative sales process and compliance to ethical, legal, and regulatory requirements. LACP practitioners are held to a standard of excellence that defines and differentiates them from their peers and to the clients they serve.

“NAIFA is pleased to offer financial professionals the potential for greater exposure and authority in the financial services marketplace through LACP certification,” said NAIFA CEO Kevin Mayeux, CAE. “The LACP will facilitate consumers’ ability to locate a professional who engages in ethical business practices and possesses in-depth knowledge of the financial products and services available to families and small businesses in the marketplace.”

To attain the LACP, practitioners must meet the eligibility criteria for experience, education and commitment to ethical conduct and successfully complete the LACP examination. For a limited time (June, 2017-Dec. 31, 2018), experienced advisors may also be able to attain the LACP certification through a professional review process in lieu of the examination.

“Consumers and businesses need professional financial advice now more than ever,” said Aamir Chalisa, MBA, LUTCF, Managing Director, Futurity First Insurance Group. “Those who earn the NAIFA LACP certification will be among a select group of distinguished professionals whom consumers can trust. Together, LACP holders will build upon NAIFA’s 127-year legacy of securing the financial futures of families and businesses with informed, ethical and sound advice today and beyond.”

“NAIFA’s LUTCF® designation program–often considered the first designation any insurance professional should earn—has delivered value to more than 50,000 professionals since 1984. The NAIFA LACP certification is the logical ‘next step’ for those who wish to demonstrate their knowledge and expertise beyond the requirements of industry licensure,” Mayeux said.

Castle Worldwide, Inc., provides technical assistance to NAIFA in the development and delivery of the proctored LACP Certification Examination through a network of nearly 1,000 testing centers in cities throughout the world. 

NAIFA invited all practitioners in Asia and around the world to the official launch of the LACP at the MDRT Annual Meeting 2017, June 4-7, in Orlando, FL. Participants at the MDRT meeting were invited to visit the NAIFA booth to understand how the LACP can build expertise and the credibility of agents, and raise the standard of professionalism within their organizations.

To learn more about the LACP please leave your contact details at www.naifa.org/lacp  or email gdesilva@naifa.org.

The National Association of Insurance and Financial Advisors (NAIFA) is one of the oldest and largest professional associations in the insurance industry and its focus is to help protect and grow your business and promote ethical business conduct. NAIFA’s mission is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members.

NAIFA members assist consumers by focusing their practices on one or more of the following: Life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments.

With over 127 years of serving and representing insurance and financial advisors, NAIFA is expanding their reach into Asia, with the launch of the NAIFA LACP. 

Allianz Life Insurance Company of North America recently announced the launch of accelerated underwriting and ApplyNOW, new technology available to help streamline the application process for Allianz Life Pro+® Fixed Index Universal Life Insurance policies. The accelerated underwriting process has fewer underwriting requirements for eligible applicants, resulting in a faster, better underwriting experience. The ApplyNOW digital tool will allow financial professionals to submit Allianz Life Pro+ applications online, resulting in more complete and accurate submissions.

“Providing the best possible customer experience is a crucial component to building trust with both financial professionals and the end customer,” said Jason Wellmann, senior vice president of Life Insurance Sales for Allianz Life. “These new initiatives offer a more streamlined underwriting process to help ensure clients establish the necessary protection for their life and finances.”

With the accelerated underwriting program and mobile-friendly ApplyNOW tool, the entire underwriting process can be reduced from as many as 35 days (traditional paper application and full underwriting) to as little as three days. All applications that meet the eligibility criteria will be considered for accelerated underwriting. ApplyNOW technology is also available for the application process with Allianz Life annuity products.

For more information, visit www.allianzlife.com/lifeproplus or contact the Life Case Design Team at 800-950-7372.

Communitas Awards has selected Legal & General America as a winner of the 2017 Communitas Award for Corporate Social Responsibility for the development of ALittleHelp.com. In February 2017, Legal & General America, a U.S. life insurance group, officially launched ALittleHelp.com to help families through the financial struggles that often arise after the loss of a loved one. Unlike other crowdfunding sites, ALittleHelp.com is focused exclusively on memorial funds and does not keep any portion of contributions.

Since its beta launch in October 2016, ALittleHelp has already helped more than 65 families across the U.S. raise over $120,000 in memorial funds.

Communitas Awards recognize exceptional businesses, organizations and individuals that are unselfishly giving of themselves and their resources, and those that are changing how they do business to benefit their communities. Judges found that “Legal & General America clearly exhibits the spirit of communitas, a Latin word that means people coming together for the good of a community.” Legal & General America joins other Communitas winners recognized for specific programs involving volunteerism, philanthropy or ethical, sustainable business practices.

“We are thrilled that Legal & General America is being recognized for our sponsorship of ALittleHelp.com,” said Troy Thompson, senior vice president and chief actuary, Legal & General America. “In far too many situations, surviving family members find out too late that a plan isn’t in place to cover things like funeral and burial services, medical bills, and monthly expenses. Memorial funds can help bridge short-term financial crises and meet surviving family members where they are, when they need it most.”

Legal & General America (LGA) is part of the worldwide Legal & General Group. For over 65 years, the Legal & General America companies have been in the business of providing financial protection through life insurance for American families. The Legal & General America companies are Banner Life Insurance Company and its subsidiary William Penn Life Insurance Company of New York. With more than $50 billion in new coverage issued in 2015, LGA is ranked in the top ten of U.S. life insurers and ended 2015 with in excess of $658 billion of coverage in force with almost 1.2 million U.S. customers.

To learn more, visit www.lgamerica.com.

Allianz Life Insurance Company of North America (Allianz Life) announced in its 2017 Giving and Volunteerism Report that last year employees and vendor partners contributed 14,000 volunteer hours and the company gave more than $1.9 million in grants and donations to help make a difference in the lives of hundreds of local families and seniors.

“Our vision of helping people live their lives with confidence is the foundation of everything we do, including giving back to the community,” said Allianz Life President and Chief Executive Officer Walter White. “I’m proud of the dedication of our employees continuously supporting the numerous organizations that positively impact our neighbors and the community.”

Allianz Life’s 2017 Giving and Volunteerism Report describes how the company and its employees support community programs. Highlights include:

• Educating 1,000 seniors and their families through the Safeguarding Our Seniors program about elder financial abuse prevention by identifying red flags and resources available to them.
• Giving $550,000 in corporate grants to 30 nonprofits that improve financial literacy and promote self-sufficient living for seniors across the Twin Cities.
• Raising more than $222,000 for the Alzheimer’s Association MN-ND 24/7 Helpline through the Allianz Driving to Donate Charity Golf Tournament.
• Collecting more than 50,000 pounds of food and clothing, 4,400 toys, and more than $109,000 in cash donations–benefiting PRISM (People Responding In Social Ministry), Arc Greater Twin Cities, Toys for Tots Foundation and Second Harvest Heartland.                                                

Allianz Life encourages employees to get involved in volunteer activities through hands-on work, fundraising events, and other activities. When groups of five or more volunteer together, Allianz Life backs their commitment with financial support. In 2016, 1,092 employees took advantage of this program and nearly $145,000 was donated to their chosen charities.

Allianz Life Insurance Company of North America, one of FORTUNE’s 100 Best Companies to Work For® in 2017, has been keeping its promises since 1896. Today, it carries on that tradition, helping Americans achieve their retirement income and protection goals with a variety of annuities and life insurance products. In 2016, Allianz Life provided a total of $2.6 billion in benefit payments that supported policyholders’ financial objectives. As a leading provider of fixed index annuities, Allianz Life is part of Allianz SE, a global leader in the financial services industry with 142,000 employees in more than 70 countries worldwide. More than 85 million private and corporate customers rely on Allianz knowledge, global reach, and capital strength to help them make the most of financial opportunities.

The Society of FSP is proud to announce a partnership with The American College of Financial Services. Thanks to this alliance, members of FSP can participate in the graduate school programs and share courses exclusively with other members of FSP.

The American College of Financial Services is offering two graduate programs for high-caliber professionals looking to further develop their knowledge and skills. The Master of Science in Financial Services (MSFS) focuses on technical expertise, while the Master of Science in Management (MSM) offers advanced leadership knowledge.

Just as belonging to FSP distinguishes you from your fellow financial service professionals, these degrees will further differentiate you from others in the industry, and give you the skills and knowledge to be more successful in your business.

The College’s MSFS provides the tools to create sophisticated strategies for analyzing and implementing integrated financial and life plans to protect, grow, and distribute financial assets. The 12-course curriculum includes two live, one-week residencies (four courses) with remaining course delivery as live, Webinar, or self-study. Wealth accumulation, tax minimization, and estate planning are some of the topics covered by the esteemed faculty.

The MSM is for executives seeking to elevate their leadership skills, with a focus on application to financial services. The 10-course curriculum calls for two live one-week residencies (five courses) with the remaining courses delivered in live Webinars. Expert faculty will provide advanced learning about organizational leadership, management processes, and leadership development.

Programs start in August 2017. For more information or to register for the MSFS, contact: Bonnie McCormick: 610-526-1385 or bonnie.mccormick@theamericancollege.edu.  For more information or to register for the MSM, contact: Mary Ann Roselle: 610-526-1395 or maryann.roselle@theamericancollege.edu.

Assurance, a new InsurTech technology platform provider, announced today that The Plus Group, America’s premier disability marketing organization, has selected Assurance’s sales acceleration platform for deployment nationwide. This platform creates a digital sales journey for complex financial products and will be utilized in each of the 20 Plus Group brokerage general agencies.

The Plus Group will be the first in the industry to deliver market-leading disability insurance comparison proposals through an automated and compliant workflow platform developed by Assurance. “Technology and consumer expectations are advancing at a rapid pace,” states Pat Jackson, The Plus Group’s Immediate Past President. “We have a distinct focus on differentiating through technology, value-added sales and marketing. Our partnership with Assurance supports this strategy very well.”

Nearly every consumer today derives their digital experience by engaging with online retailers such as Amazon and other leading online firms. Transparency, product comparisons and intuitive consumer journeys are the new norm. “This shift in expectations is now extending into the insurance sales journey-underpinned by emerging regulatory trends,” comments Bill Unrue, CEO of Assurance. “Our partnership with The Plus Group is part of our broad strategy to work hand in hand with insurance carriers and leading national distributors to help meet these emerging challenges.”

Assurance’s sales acceleration platform is designed to enhance the consumer’s digital sales experience and provide seamless workflow automation for insurance carriers and national distributors. Policy comparison and data analytics functionality can also help organizations meet the emerging “best interest contract” and audit trail regulatory needs across the insurance sector. Integrating next-generation sales technology-such as streamlined policy comparisons and data visualization – with workflow automation and real-time data analytics provides a new platform for revenue growth.

Built on a foundation of excellent service with a local touch, The Plus Group was formed in 1998 as an organization dedicated to providing education, training and disability insurance product to select insurance professionals. Each of its 20 members is a recognized expert and has stood out as top sales representatives and managers in the disability insurance industry. Since its inception, The Plus Group has become the preferred disability insurance product and planning resource for thousands of insurance professionals across the nation.

Allianz Life Insurance Company of North America (Allianz Life®) announced today that it has launched the new Retirement Foundation ADVSM Annuity, the first fee-based fixed index annuity (FIA) offered by Allianz Life. Retirement Foundation ADV features benefits such as protection of principal and credited interest from market downturns, tax deferral and the potential to earn interest based on external market indexes, all in a fee-based solution. Retirement Foundation ADV also offers guaranteed income for life and a death benefit for beneficiaries.

“Retirement Foundation ADV was designed for consumers seeking a fee-based FIA that offers the opportunity for increasing income as a part of their overall retirement portfolio,” said Allianz Life Senior Vice President of Product Innovation Matt Gray. “There is a growing market demand for fee-based products and we believe Retirement Foundation ADV will be well received.”

Retirement Foundation ADV has a 7-year withdrawal charge period and can help clients address both phases of retirement: accumulation—by potentially earning interest through a choice of index allocations, and income—in the form of lifetime withdrawals. The FIA includes the Income Benefit rider that is automatically included at an additional cost, which guarantees to increase income withdrawal percentages, beginning at age 45 for every year a customer waits to begin taking income. The choices for receiving lifetime income withdrawals are available as early as age 50.

With Retirement Foundation ADV, clients can receive their income via predictable payments that remain the same throughout their lifetime, or, if clients are concerned about the rising costs of living during retirement, via payments that have the opportunity to increase in exchange for a lower initial payment percentage. Retirement Foundation ADV uses a simple design with one crediting method that brings growth potential provided by four index allocation options or a fixed interest allocation option. Additional features of Retirement Foundation ADV include a cumulative withdrawal amount, a Nursing Home Benefit, a Flexible Annuity Option Rider, and a Flexible Withdrawal Rider (available for an extra fee).

For more information about Retirement Foundation ADV visit www.allianzlife.com.

The annual benefit charge for the Income Benefit rider is 1.05 percent of the accumulation value, deducted monthly from the accumulation value and guaranteed minimum value (in most states). Distributions are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10 percent federal additional tax. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

New research shows all LTC protection is not created equal in product features or consumer appeal.

Asset-based long-term care stands out as leading option for consumers due to premium certainty and guaranteed benefit.

A new white paper authored by Wade Pfau, Ph.D., CFA, and Michael Finke, Ph.D., CFP explores the impact of various types of long term care (LTC) protection on retirement income and offers insight into the reasons consumers choose to either purchase or avoid certain types of LTC protection. The research demonstrates that all LTC protection is not created equal in product features or in appeal to consumers, and asset-based LTC protection stands out as a leading option because of the product’s premium certainty and guaranteed benefit.

“The rising cost of care poses a significant risk to most retirees’ income, and our new analysis offers a unique look at both the effectiveness of various types of LTC products and the actions they motivate consumers to take,” said Dr. Pfau, a professor of retirement income at The American College for Financial Services. 

The new study first simulates multiple long-term care event scenarios to demonstrate the retirement income impact of a hybrid LTC product, a traditional health-based policy and a self-funding approach. At the 90th percentile of long-term care costs, an unprotected retiree—one who is self-funding their protection against a long term care event—will be exposed to risk of over $1 million in assets. In contrast, a retiree with LTC protection will be exposed to roughly one-third the risk of out-of-pocket expenses and premiums. The study then considers which LTC products are more likely to appeal to consumers.

“Our study demonstrated that a variety of types of LTC protection can significantly reduce risk exposure for retirees, but our behavioral analysis suggests that consumers may not be equally drawn to all types of LTC products,” said Dr. Finke, Dean and Chief Academic Officer at The American College of Financial Services. “Even well-informed consumers are only highly likely to purchase LTC products that provide premium certainty. And a guaranteed benefit—either as LTC protection or a death benefit—can appeal to consumers who are otherwise averse to traditional LTC products.”

“When we consider the financial modeling and behavioral analysis together, asset-based LTC protection emerges as a clear choice,” said Nicolas E. Lance, vice president of Retirement Income Strategies at OneAmerica. “For financial professionals looking to help clients mitigate the retirement income risks posed by long term care costs, this whitepaper makes a compelling case to strongly consider asset-based LTC protection as part of their product portfolios.”

A national leader in the insurance and financial services marketplace for 140 years, the companies of OneAmerica help customers build and protect their financial futures.

OneAmerica offers a variety of products and services to serve the financial needs of their policyholders and customers. These products include retirement plan products and recordkeeping services, individual life insurance, annuities, asset based long term care solutions and employee benefit plan products.

Products are issued and underwritten by the companies of OneAmerica and distributed through a nationwide network of employees, agents, brokers and other sources that are committed to providing value to customers.

OneAmerica® is the marketing name for the companies of OneAmerica. Guarantees are subject to the claims paying ability of the issuing insurance company.

To learn more about our products, services and the companies of OneAmerica, visit www.OneAmerica.com/companies.