Automatic risk class upgrades

Automatic upgrades to lower client policy charges

Our automatic risk-class upgrade program can help increase client’s future policy values

For a limited time, your clients may be eligible to receive an improved underwriting risk class, up front and automatically – an upgrade that they might not have qualified for under normal business-as-usual rules.

With our Underwriting Risk-Class Upgrade Program, you can tell your clients that they’re Preferred + (our best risk class) – another way we can help close a sale.

And that’s not all. The better their risk class, the lower their policy fees and charges throughout the life of the policy, which can help increase its future growth potential.

Let's look at an example

Risk-class Cash value
year 20		 Death benefit
year 20		 Charges
year 20		 Annual loan
(years 21-40)1		 Target Premium
Preferred + $888,131 $1,250,718 $74,755 $85,188 $9,458
Standard $867,993 $1,229,711 $87,252 $82,104 $9,559
Difference $20,138 $21,007 -$12,497 $3,084 -$101

45-year-old male, $25,000 annually for 20 years, 5.74% nonguaranteed illustrated rate, indexed loans for 20 years, loan charge 5%, minimum non-MEC death benefit (option B switching to A in year 20).

The potential long-term-savings to your clients

+61K
Based on the above example, with an annual loan increase of $3,084, that could potentially mean an extra $61,000 ($3,084 x 20 years) in loans over the life of the policy.

Available for a limited time to those who qualify

Call the Life Case Design Team to learn more, 800.950.7372.

1Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed. Tax laws are subject to change and you should consult a tax professional.

This hypothetical example is provided for illustrative purposes only. The illustrated rate is intended to show how the products could work and is not intended to predict future results. This example is not indicative of our competitive position in every scenario. Hypothetical results are based on nonguaranteed rates, and assumptions were selected by Allianz Life Insurance Company of North America (Allianz). Actual results may be different from the figures shown in this example and in some cases may be significantly higher or lower. The amount of interest the policy earns impacts the amount of cash value available, and there is no guarantee that there will be sufficient cash value available to keep the policy in force.

For financial professional use only – not for use with the public.

Product and feature availability may vary by state and broker/dealer.

This content does not apply in the state of New York.

Annuity guarantees are backed solely by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060.

• 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