What steps can I take today to seek advantages in future tax environments?

No one can predict how tax policies will change in the years ahead. In this video, Allianz Life Insurance Company of North America (Allianz) explains how diversifying your portfolio with fixed index universal life insurance could benefit your retirement savings.


Saving for retirement is one thing.
Saving for financial flexibility is another.

If you’re planning for retirement, you may be saving in a variety of ways, places, and investments. Because different types of financial accounts are taxed differently – and because tax environments are subject to change – you may decide to distribute your savings among a combination of vehicles: income taxable, income-tax-deferred, and income-tax-free.

This financial strategy is called diversification, and it may help you manage your taxable income in retirement.

Income-taxable vehicles may include:

  • Checking accounts
  • Savings accounts
  • Stocks
  • Bonds
  • Mutual funds

Income-tax-deferred vehicles may include:

  • Traditional IRAs
  • Pensions
  • Nonqualified annuities

Income-tax-free vehicles may include:

  • Roth IRA
  • Roth 401(k)

Financial flexibility comes in many forms – including fixed index universal life insurance (FIUL).

If you’re seeking a strategy for tax diversification, FIUL provides a combination of tax advantages, including:

  • A death benefit that is generally income-tax-free
  • Tax-deferred cash value accumulation potential
  • The opportunity for income-tax-free loans and withdrawals from any available cash value accumulation

FIUL can help add flexibility during retirement, too.

Should the tax environment or your retirement income sources provoke the need, you can also choose to access more or less from your FIUL policy. It’s part of the flexibility you gain from supplementing your retirement strategy with a variety of tax categories.


Watch the video to learn more.

FIUL is not a source of guaranteed retirement income.

Diversifying a portfolio with FIUL may not be suitable for all clients. You should consult with your financial professional and tax advisor to determine if this strategy is appropriate for your situation.

FIUL requires qualification through health and financial underwriting.

This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

• 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, PO Box 59060, Minneapolis, MN 55459-0060.

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