Automatic risk class upgrades

Automatic risk-class upgrades are back

This could mean lower policy charges for your clients

Our Underwriting Risk-Class Upgrade Program can help increase your clients' future policy values

For a limited time, your eligible clients will be offered our Preferred Plus risk class, up front and automatically – an upgrade that they might not qualify for under normal, business-as-usual rules.

The better their risk class, the lower their policy fees and charges throughout the life of the policy. That can help increase future accumulation potential – and that’s another way we can help you close more sales.

The potential long-term savings to your clients

Hypothetical example:

+$53K

Preferred Plus lower policy charges leave more in the policy to compound over time – increasing the cash value and death benefit amounts – and resulting in an extra $52,960 in loans over the life of the policy ($2,648 annual loan x 20 years).

Risk class Cash value year 20 Death benefit year 20 Charges year 20 Annual loan
(years 21-40)1		 Target premium
Preferred Plus $989,185 $1,346,644 $70,571 $98,607 $9,324
Standard $969,283 $1,326,094 $86,395 $95,959 $9,429
Difference +$19,902 +$20,550 -$15,824 +$2,648 -$105

45-year-old male, $25,000 annually for 20 years, nonguaranteed illustrated rate of 6.50%, loan charge 5%, minimum non-MEC death benefit (option B switching to A in year 20). This hypothetical example is provided for illustrative purposes only. The illustrated rate is intended to show how the products could work and is not intended to predict future results. Hypothetical results are based on nonguaranteed rates, and assumptions were selected by Allianz Life Insurance Company of North America (Allianz). Actual results may be different from the figures shown in this example and in some cases may be significantly higher or lower.

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Available for a limited time to those who qualify

Call the Life Case Design Team to learn more, 800.950.7372.

1Policy 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.

Indexed universal life (IUL) insurance provides a generally income-tax-free death benefit to beneficiaries and the potential to build tax-deferred accumulation.

IUL requires qualification through health and financial underwriting.

The amount of interest the policy earns impacts the amount of cash value available, and there is no guarantee that there will be sufficient cash value available to keep the policy in force if using a loan strategy.

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 solely by the financial strength and claims-paying ability of the issuing company.

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF