Start from the middle

Grow your business in 2024 with middle-market clients

The middle market is a largely untapped market for life insurance sales – a new source for potential revenue, more prospects and referrals, and new long-term clients.

They may not be your largest clients – but they have both available assets and a financial need for your service. This is evident based on the findings of our 2022 Allianz Life Insurance Company of North America (Allianz) Middle Market Study.1

worry that inflation will prevent them from enjoying retirement
don’t think they’ve saved enough for the retirement they want
want to keep their tax bill as low as possible in retirement
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Who is the middle market?

  • They’re 30-45 years old.
  • They’re contributing to a 401(k) plan to the full company match – but they still have concerns about their future financial security.
  • They have additional funds to purchase another financial vehicle.
  • They’re interested in financial products that can offer access to cash for emergencies, protection from volatility, features to help address inflation, and the potential to supplement their income during retirement.

About 50% of the middle market have yet to work with a financial advisor

It’s a largely untapped opportunity for you to build new client relationships that can grow as the client ages and has a need for more financial protection and solutions.

Watch this video on targeting the middle market for fixed indexed universal life insurance (FIUL) sales.


How the middle market can use FIUL to reach financial goals

1 The 2022 Allianz Middle Market Study was conducted by Allianz Life as an online survey in August 2022 with 800 respondents, ages 25-40 years. Respondents have an annual household income of $100,000+ and either 1) contribute $20,500 or more to retirement investment accounts, or 2) meet or exceed their employee sponsored match and are making/interested in making additional contributions to another account.

FIUL provides a death benefit that is generally paid to beneficiaries income-tax-free and the opportunity to build accumulation value that may be accessed through policy loans and withdrawals.

FIUL is not a source for a guaranteed stream of income in retirement and is not a traditional college funding vehicle.

Policy 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.

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

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

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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.1962

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