Supplemental retirement income with FIUL

“I’ve got retirement dreams, but I know I’m going to need income, too.”

That’s how Angie begins her story – and if you feel the same way, see how fixed index universal life (FIUL) insurance could play an important role in your overall financial strategy.

Watch Angie’s retirement income story

Angie explains how FIUL is helping her financially support her retirement dreams in this short video.

Along with the death benefit for protecting your family, FIUL offers the potential to build accumulation value tax-deferred. Any available cash value can be accessed through policy loans or withdrawals1 and used for a variety of reasons – such as potentially helping bridge the gap between your retirement savings and your retirement goals.


Find out how FIUL can help support your retirement goals

Talk to your financial professional to see how FIUL could fit in your financial strategy.

1 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.

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

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, PO Box 59060, Minneapolis, MN 55459-0060. (P64339)