Inflation Playbook

Allianz Life Insurance Company of North America

Create a game plan for your clients to help combat rising inflation

With inflation currently at a 40-year high, Allianz Life Pro+® Advantage Fixed Index Universal Life (FIUL) Insurance Policy can be a financial resource to help clients with the impact of higher everyday costs.

It provides long-term financial protection, financial reassurance for beneficiaries through the death benefit, and can help reduce the overall risk in a client’s portfolio.

Current inflation1 – compared to less than 2% average inflation since 20102
expect inflation will get worse over the next 12 months3
wish they could have locked in gains when the market was high3
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Inflation-fighting features

Accumulation potential

As inflation increases, typically, so do interest rates. When this happens, it can give us the opportunity to raise the participation rates and caps – bringing even more accumulation potential to consumers to help combat inflation.

Loan flexibility

Your clients can access their cash value (via policy loans and withdrawals) if needed to help cover higher costs due to inflation. This gives your clients a flexible resource to access, no matter what they need it for.5

Death benefit

Volatility may impact how much clients are able to leave for future generations, but the generally income-tax-free death benefit from life insurance can be a legacy to leave to beneficiaries regardless of market conditions.
The potential for these features to help address inflation is not guaranteed. The effectiveness of any of the strategies or features is dependent on a variety of factors, including interest rates, product caps and rates, and market index performance.

Strategic tools

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Sales concept

Show your clients how an FIUL policy can help alleviate inflation’s impacts with our sales piece: Inflation is way up – is there anything you can do about it?

Allocation Insights Tool

A diversified allocation strategy6 in a client’s FIUL insurance policy can help reduce risk, smooth out volatility, and potentially avoid a zero interest credit. Our online tool makes exploring allocation choices easy.

Comprehensive support

Life Case Design Team

Yes, this team of dedicated sales professionals will answer your call fast and is ready to provide you with case consultation, customized illustrations, and answers to any questions.

1st class service model

We offer resources to help you monitor and manage your FIUL accounts, including proactive alerts when your clients may have an Index Lock opportunity coming up.7

Take the next step

Connect with the Life Case Design Team at 800.950.7372 for client prospecting tools and product sales ideas, or to run an illustration. Or visit our secure site to explore potential solutions on your own.



3Allianz 2022 Quarterly Market Perceptions Study

4The Index Lock feature is available with certain index allocation options. The index value used to determine interest credited may be higher or lower than the index value at the time of request. Setting targets authorizes Allianz to automatically activate an Index Lock once the target is reached based on the index interest rate percentage at the end of the business day. Targets need to be renewed after each crediting period and must be greater than the current index return for the crediting period. This service may be discontinued at any time.

5Policy 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.

6Diversifying within an FIUL policy does not ensure a profit or protect against a loss.

7The Index Lock feature is available with certain index allocation options. 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 death benefit is generally income-tax-free when passed on to beneficiaries.

FIUL requires qualification through health and financial underwriting.

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

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

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.1962