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Fixed index universal life can address a variety of client needs

For your clients who are concerned about market volatility, inflation, or employee recruitment and retention, Allianz Life Pro+® Advantage Fixed Index Universal Life Insurance Policy can be part of a solution. It starts with the protection of a death benefit that’s generally income-tax-free – but we add the features and flexibility to do more.

And when you work with us, you have the materials you need to prospect and close sales. Answers like these are why you should be doing business with Allianz Life Insurance Company of North America:

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

2 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.

FIUL requires qualification through health and financial underwriting.

FIUL 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 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.