Marketing concepts

Benefits of FIUL

Fixed index universal life insurance (FIUL) starts with a death benefit – but doesn’t end there. Help clients understand FIUL and its many benefits in an overall financial strategy.

Life insurance in retirement

Risks to retirement assets don’t go away in retirement – learn how life insurance can help with the impacts of taxation, volatility, and more.

Supplemental college funding

Show how life insurance can help bridge the gap between the costs of college and what clients have saved or borrowed.

Middle market prospecting

This often overlooked consumer segment has the financial needs and available assets for life insurance – find out more.
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For access to all of our marketing tools and resources, log in to our secure agent website or call the Life Case Design Team at 800.950.7372.


FIUL is not a source for guaranteed income in retirement and is not a traditional college funding vehicle. FIUL provides a death benefit that is generally paid income-tax-free to beneficiaries and offers the potential to help supplement a retirement or college funding strategy through policy loans and withdrawals.

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.

The indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.

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

Product P64339 is 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.

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

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