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Your OneAmerica Policy:

OneAmerica Policy – Frequently Asked Questions



HOW DO I TAKE A LOAN FROM MY POLICY?

If your policy permits a loan and you have funds available, you can request the loan several ways:

  • If your tech savvy: Go online to OneAmerica.com and complete the Individual Policy Service Request.
  • If your old schoolComplete the Service & Loan form and email, fax or snail mail it to FiscalBridge for processing.

If it’s less than $5,000: Call One America and request the loan over the phone.  IMPORTANT NOTE: Specify that you want a LOAN—NOT A WITHDRAWAL.


HOW DO I KNOW MY LOAN AVAILABILITY?

Call One America or contact FiscalBridge.


HOW CAN I PAY BACK MY LOAN?

Call One America or FiscalBridge to get your loan payoff amount. If you plan to pay your loan in full :

  • Most efficient: Call One America and provide them with your routing number & account number and they can draft the payment right over the phone.
  • If your tech savvy: Go online to OneAmerica.com and complete the Individual Policy Service Request.

An automatic loan repayment can also be set up on a monthly basis by completing and submitting the Bank Draft Authorization form.

You will receive a loan interest statement prior to your policy anniversary date and you can pay the annual interest off that statement.


HOW CAN I TRACK MY LOAN INTEREST?

Call or email One America and ask them for a ‘Loan History’ Report. FiscalBridge can also put in this request!


HOW CAN I ADD MONEY (CASH VALUE) TO MY PUA RIDER (PUAR)?

If your policy is able to hold additional funds (meaning you haven’t maxed out the cash value rider), the amount you can add to the policy will need to be calculated by the company.   Call or email FiscalBridge we can submit the calculation request.  Once you know the total amount that your policy can hold, you can submit your payment one of the following ways;

  • Most Efficient: Grab your checkbook and Call One America. They will draft the payment over the phone. There is no charge to do this!  When speaking with One America, specify “I want to add money to my cash value.”
  • If your tech savvy: Go online to OneAmerica.com and complete the Individual Policy Service Request.
  • If your old schoolComplete the ‘Echeck’ form and sent back to FiscalBridge for processing or send in a paper check.

CAUTION: If you choose to mail a check for premium, loan repayment or to add funds to cash value, we encourage you to send your mail with tracking. We have experienced checks being lost in the mail and don’t recommend this method.


H
OW DO I CHANGE MY ADDRESS?

  • Most efficient: Call One America and provide them with your new address.  FiscalBridge will be notified of this change and update our records accordingly.
  • If your tech savvy: Go online to OneAmerica.com and complete the Individual Policy Service Request.


H
OW DO I CHANGE MY BENEFICIARY?

Same as above.


H
OW DO I CREATE MY ONLINE ACCOUNT?  

Go to oneamerica.com

HOW DO I SET UP MY ONLINE ACCOUNT WHEN I AM THE OWNER OF THE POLICY BUT NOT I’M NOT THE INSURED?

When creating the account, use the Owner’s social security number (or TIN if it’s a business) and the Insured’s date of birth.

TIP: With any correspondence, you are sending One America, always include your policy number!

TIP: Always specify payment instructions when sending funds to One America or speaking with them over the phone.

  • If you want to add money to your cash value, make sure they know the money needs to be “added to your cash value/PUA rider.”
  • If you’re calling to take a loan say “I need to take a loan against my cash value.” NEVER a withdrawal.
  • If you’re calling to make a payment toward your loan balance say “I need to make a payment toward my loan balance.”
  • If you’re sending in a check for your premium, include the stub and write your policy number in the memo of the check and the word “premium.”

This is a life insurance policy and there are several facets to it.  You need to be clear on directing your funds!