An upgrade that matters – NEW automatic risk-class upgrades

This could mean lower policy charges for clients – and more sales for you

For a limited time, our Underwriting Risk-Class Upgrade Program offers your eligible clients our Preferred Plus risk class, up front and automatically – an upgrade that they might not qualify for under normal, business-as-usual rules.

The better their risk class, the lower their policy fees and charges throughout the life of the policy. That can help increase their future accumulation potential – a benefit that can help you address client needs and potentially close more sales.

The potential long-term benefits to your clients

+$53K

In the example below, the increased opportunity for accumulation potential would allow for an annual loan increase of $2,648, which could potentially mean an extra $52,960 in potential loans/withdrawals over the life of the policy.

Risk class Cash value year 20 Death benefit year 20 Charges year 20 Annual loan
(years 21-40)1		 Target premium
Preferred Plus $989,185 $1,346,644 $70,571 $98,607 $9,324
Standard $969,283 $1,326,094 $86,395 $95,959 $9,429
Difference +$19,902 +$20,550 -$15,824 +$2,648 -$105

45-year-old male, $25,000 annually for 20 years, nonguaranteed illustrated rate of 6.50%, loan charge 5%, minimum non-MEC death benefit (option B switching to A in year 20). 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. 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.

Not eligible for upgraded risk class: Flat Extra Cases, Juvenile, Preferred Tobacco, Rated Cases, and Table 2 Cases that will receive Standard.


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.

Indexed universal life (IUL) insurance provides a generally income-tax-free death benefit to beneficiaries and the potential to build tax-deferred accumulation.

IUL requires qualification through health and financial underwriting.

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 if using a loan strategy.

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.

Guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.

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