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Inflation calls for Index Lock

With inflation at a 40-year high* and continued market volatility, now may be the time to show clients how Index Lock can help with both of these economic concerns.

Index lock promo

Feel confident in our strength

Any financial product is only as strong as the company behind it. As a leading provider of retirement and protection solutions, Allianz Life Insurance Company of North America (Allianz) has a long track record of keeping our promises to clients like yours. More than 1.2 million Americans rely on us to help them achieve their financial and retirement goals.
#1
Part of a global powerhouse

Our parent company, Allianz SE, is the #1-ranked insurance brand globally,1 serving over 85 million customers in more than 70 countries.

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Consistently high ratings

Our Comdex ranking of 942 and ratings from independent rating agencies – including Standard & Poor’s, A.M. Best, and Moody’s – reflect our stability, integrity, and strong balance sheet.

$153b
Assets managed responsibly

We manage our portfolio to achieve results over time, not overnight. This helps better position us to weather all market conditions and deliver dependable, long-term results.

Why Allianz fixed index universal life?

Accumulation potential, protection, and innovative features

In addition to its death benefit,3 Allianz Life Pro+® Advantage Fixed Index Universal Life Insurance Policy is designed to build accumulation value over time, tax-deferred, with protection from loss due to market volatility. The policy’s available cash value can be accessed any time for any purpose, via income-tax-free loans and withdrawals.4 With optional riders and benefits, which may come at an additional cost, the policy can be customized to your client’s needs.

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Interest credits our policyholders have received5

7.09%
Indexed interest average credit

Past interest crediting is not a guarantee of future results. Caps and interest rates have changed over time, so future credit may be different than shown even in similar market environments.

4.11%
Fixed interest average credit

Innovative features and flexible client options

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Exclusive Index Lock and Auto Lock capabilities

Provide clients with a level of control over volatility. With Index Lock, they can lock in an index value at any time once for each index allocation during the crediting period. Or they can choose Auto Lock and the policy will activate the lock automatically (once during the crediting period) if it reaches their set target – no need for the daily monitoring of index values.6

Available with select index allocations. There is no guarantee that a policy will earn interest credits in any given year.

For our fixed index universal life (FIUL) insurance policies with an active lock, the average locked-in value is 11.52%.7

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Interest bonus options

To help your clients accelerate their accumulation potential, we have a variety of bonus opportunities that offer up to a 40% guaranteed interest rate, or an option without a bonus.8

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Volatility-controlled index allocation options

Our indexing experience and the dynamic hedging platform of Allianz Investment Management U.S. LLC (AIM US), a wholly owned subsidiary of Allianz Life, allow us to offer innovative index allocation options – including two volatility-controlled ER indexes. We also offer index and fixed interest allocations.

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Loan flexibility and choices

We have competitive loan amounts and flexible options to help your clients meet changing needs – including a 5% locked-in annual index loan rate.

What type of client may benefit?

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Needs coverage

Consumers who need life insurance and would be interested in diversifying their portfolio of financial vehicles.

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High earners, not rich yet

HENRYs are young and affluent, maxed out or disqualified from qualified plan contributions, or are seeking alternatives for accumulation potential.

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Affluent consumers

These consumers have discretionary income and need alternative resources to supplement their income in retirement.

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Transition boomers

Clients who are five to 10 years from retirement and have idle assets that can be used to purchase FIUL for its death benefit and its potential as a legacy for beneficiaries.

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Small-business owners

FIUL can play an important role in strategies for executive compensation, key person insurance, or nonqualified deferred compensation plans.

* Consumer Price Index for All Urban Consumers (CPI-U), February 2022, U.S. Bureau of Labor Statistics.

1 Allianz Group, Interbrand Best Global Brands, October 2021.

2 Comdex rating affirmed February 15, 2022. VitalSigns Comdex and other research/financial strength information available via producer subscription at www.vitalsalessuite.com. Comdex averages insurance companies’ independent ratings, then ranks more than 200 of these insurers on a scale of 1 (lowest) to 100 (highest), based on their independent ratings. An insurer must be rated by at least two rating agencies to receive a Comdex rating. This ranking is current as of February 15, 2022 and is subject to change.  The ratings of independent rating agencies are a measure of financial strength and claims-paying ability. These independent agency ratings are based on an analysis of financial results and an evaluation of management objectives and strategies. The ratings do not indicate approval by the analysts and are subject to change.

3 The death benefit is generally income-tax-free when passed on to beneficiaries.

4 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.

5 The average crediting history of Allianz FIUL policies is from 3/1/2006 through 12/31/2020. We chose this time frame to ensure that we present the most complete 12-month data available for this study. Credits are based on actual caps, participation rates, and interest rates that have been applied to inforce policies. Not all products have been available during the entire duration of the example shown. This is only one aspect of an FIUL insurance policy, which does not take into account policy fees and charges and does not describe any other features. Please note that many factors, including the current market environment, may affect the interest credited to the policy. Your client should consider all product features before purchasing a policy. Past results are not indicative of future results.

6 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.

7 Based on 10,915 locks from 9/17/2019 - 3/31/2022. Past results are not indicative of future results.

8 Bonused products may include higher surrender charges, longer surrender periods, lower caps, or other restrictions that are not included in similar products that don't offer the interest bonus will generally have lower caps and participation rates. Not all bonuses guarantee that a policy will be credited with an interest bonus every year as some are based on the growth of an index.

Fixed index universal life insurance requires qualification through health and financial underwriting.

FIUL is not a guaranteed source for retirement income. FIUL provides a death benefit for beneficiaries and offers the potential to help supplement a retirement strategy through its additional features.


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

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.

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

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