The Essential 10: Top 10 sales starters for IUL

Make this year your most productive yet. We’ve gathered together ten of our strongest sales ideas on how our indexed universal life (IUL) can address a variety of financial concerns.

Use them to open the door to discussing the benefits of IUL with your clients – and how you can help them pursue their goals.

Creating and protecting a retirement income strategy

1. Balancing your portfolio’s risk and return potential with a low-correlation asset (PDF)
2. Protect your assets and supplement your retirement income (PDF)
3. Taxation and the impacts on your retirement assets (PDF)
4. Why settle for regaining lost value when you can build new value (PDF)

Leaving a legacy and protecting loved ones

5. Flexible estate planning strategies (PDF)
6. Impact of dying too soon (PDF)

Helping with the high cost of college

7. Another potential resource to help pay for college (PDF)
8. Your grandchild’s education can be part of your legacy (PDF)

Solutions for small-business owners

9. Building an effective key employee compensation strategy (PDF)
10. Buy-sell agreements: Ensuring the continuity of your business (PDF)

83% of consumers want a financial product with flexibility for withdrawals when needed – that can be IUL

Allianz Q4 2025 Quarterly Market Perceptions study results

Keep the sales going

Create IUL Sales Stories for more powerful presentations.

Get personalized help from our Life Case Design Team, 800.950.7372.

Indexed universal life (IUL) insurance policies provide a death benefit that is generally income-tax-free when passed to beneficiaries and the potential to build accumulation value. A policy can help individuals provide a legacy, through the death benefit. IUL requires qualification through health and financial underwriting.

IUL is not a source for guaranteed retirement income. There is no guarantee that a policy will earn sufficient interest to support a loan strategy.

Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.

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.

Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.

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

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 P64339

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

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

The Essential 10: Top 10 sales starters for IUL

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