Tools & Resources

Explore how our indexed universal life (IUL) insurance could work for you


Understanding your life insurance needs

Use these online tools to help determine how Allianz Life Accumulator™ Indexed Universal Life Insurance Policy could help meet your needs for financial protection now and potential funds in the future.

What else would you like to know?

We have a wealth of information to help you determine your financial needs and goals, and understand other financial concerns – using our planning strategy tools, articles, and educational videos.

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.

IUL is not a source for guaranteed income in retirement and is not a traditional college funding vehicle. There is no guarantee that a policy will earn sufficient interest to support a loan strategy.

This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations.

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

Indexed universal life insurance policies require qualification through health and financial underwriting.

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.

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

This content does not apply in the state of New York.