[Narrator] Before you bring clients your next life insurance policy proposal, bring strength to it by creating Illustrations with Impact, powered by Ensight, available to you through Allianz.
[On-screen disclosure] For financial professional use only. [End of on-screen disclosure]
Instantly create attractive life insurance proposals that are customized for your client, and complement the full product illustration for Allianz Life Accumulator® Indexed Universal Life Insurance policy.
Use Illustrations with Impact to show how it begins with a death benefit, but doesn't end there, and can help diversify a retirement portfolio.
[On-screen disclosure] For financial professional use only. [End of on-screen disclosure]
Show clients how funding their policy helps build their accumulation value, with interactive charts using actual values from their policy that change as you move the pin.
You can even show the potential over time for loans and withdrawals that are generally income-tax-free.
But Illustrations with Impact goes beyond the numbers to help you walk clients through the policy's three kinds of tax advantages, risks to the income potential of their retirement portfolio, and how indexed universal life insurance works, with examples of how clients have accumulation potential with a level of protection through indexed interest that's tax deferred.
[On-screen disclosure] 1 The Auto Lock feature may be discontinued at any time. [End of on-screen disclosure]
[On-screen disclosure] 2 The Index Lock occurs at the end of the business day; therefore the actual value received may be more or less than at the time of the request. Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised. We will not provide advice or notify you regarding whether you should exercise an Index Lock or the optimal time for doing so. [End of on-screen disclosure]
Plus, two ways to lock in indexed interest, even in volatile markets, with Auto Lock or a manual Index Lock, and how clients can access their cash value through income-tax-free policy loans and withdrawals for supplemental retirement income, health emergencies, college funding help, or any other financial need.
And when you're ready, you can download the presentation to leave with your client.
It's that easy and that impressive.
Illustrations with Impact, powered by Ensight, can make your life insurance proposal and illustration more visual and easier to understand.
It's not available with every carrier, but it is available with us.
Start creating Illustrations with Impact. Look for the option when you run your illustration for Allianz Life Accumulator®.
If you need assistance, contact the Life Case Design Team at 800.950.7372.
[On-screen disclosures]
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.
Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised. We will not provide advice or notify you regarding whether you should exercise an Index Lock or the optimal time for doing so.
The Auto Lock feature may be discontinued at any time.
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 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. www.allianzlife.com
[End of on-screen disclosures]
