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Investment Strategy
This is an interest-earning investment option, backed by AUL's general
account assets. AUL guarantees* that interest will be credited at
the higher of the rate guaranteed in the group variable annuity
contract and the current rate declared by it. AUL may change the
initial interest rate for future contributions. New contributions
are guaranteed to earn the applicable initial interest rate for
at least a one-year time period from the date contributions are
made. Changes in the initial interest rate or in the interest rate
for prior contributions will also be effective for at least one
year. In no event will the interest rate ever be below the rate
guaranteed in the group annuity contract. AUL bears the investment
risk for the AUL Fixed Interest Account values and for paying interest.
AUL's current interest rate crediting policy is as follows: New
deposits are assigned to a calendar-quarter deposit period (Quarterly
Interest Pocket), which has a guaranteed interest rate. Each quarterly
interest pocket matures on December 31 of the following calendar
year. Maturing quarterly interest pockets are combined into an annual
renewal interest pocket. All monies in an annual renewal interest
pocket earn the same rate of interest. Annual renewal interest pockets
are combined into annual portfolio interest pocket after five full
calendar years. Each year, an interest rate is declared for each
maturing interest pocket and is guaranteed for the calendar year.
Transfer Restrictions
If the OneAmerica Money Market investment option is available and
- If you have $2,500 or more in the AUL Fixed Interest Account
at the beginning of the contract year, up to 20% of that amount
may be transferred during that contract year. OR
- If you have less than $2,500 in the AUL Fixed Interest Account
at the beginning of the contract year, you may transfer any amount
from the AUL Fixed Interest Account during that contract year.
General Fund Information
 Objective
Guaranteed* return on principal and current rate of interest competitive
with yields of intermediate-term fixed income securities.
Inception
AUL’s predecessors were founded in 1877
| Asset Class |
Fixed Interest |
| Fund Family |
American United Life |
| Advisor |
AUL Investment Division |
| Manager(s) |
AUL Investment Division |
| Manager Tenure |
N/A |
| Total Net Assets |
$7.61 billion |
General account assets (GAAP) excluding deferred acquisition costs
Top Industry/Sector Ratings (6/30/04)
| 1. Bonds |
72.78% |
| 2. Mortgages |
20.86% |
| 3. Policy Loans |
2.12% |
| 4. Cash & Equivalents |
2.08% |
| 5. Stocks |
1.16% |
| 6. Real Estate |
0.65% |
| 7. Short-term, Receivables & Other |
0.35% |
Asset Allocation (06/30/04)
* The guarantee is based on the continued claims-paying ability
of American United Life Insurance Company. This investment option
is offered through the American United Life Insurance Company group
variable annuity contract. Contributions into this option are invested
in the AUL General Account.This material must be preceded or accompanied
by a current prospectus and current prospectus for the underlying
Investment Option which contains more complete information including
the Investment Option's investment objective, charges, expenses,
risks and limitations. Please read the prospectuses carefully before
you invest or send money.Group variable annuity contracts issued
by American United Life Insurance Company (AUL) are distributed
by OneAmerica Securities, Inc., member NASD, SIPC, a wholly owned
subsidiary of AUL.
** The AUL Fixed Interest Account is not available to all districts. Please consult with your plan sponsor.
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