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An innovative feature offering a level of control in times of volatility

Like that value? Lock it in.

Now you and your clients have the ability to react in times of volatility and lock in an index value once during each crediting period.

Using our Index Lock feature – available on select Allianz fixed index annuities and fixed index universal life insurance policies – clients can set the lock at any point when they’re comfortable with the current index value – and keep that index value for the entire crediting period, no matter what.

That gives them the reassurance of knowing they’ve locked in an index value and are no longer subject to market volatility in the period.


Discover how Index Lock sets us apart, and can provide greater control in a rapidly changing market environment.

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Fixed index annuities

Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred growth potential, and the reassurance of a death benefit for beneficiaries.

Learn more about our fixed index annuities that offer Index Lock:

Allianz Benefit ControlSM Annuity
Allianz 222® Annuity
Allianz 360SM Annuity
Allianz Accumulation Advantage® Annuity
Core Income 7® Annuity

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Fixed index universal life insurance

Fixed index universal life insurance provides the primary need for death protection for beneficiaries, potential to build tax-deferred accumulation value, and access to any available cash value through loans and withdrawals.1

Learn more about our fixed index universal life insurance products that offer Index Lock:

Allianz Life Pro+ AdvantageSM Fixed Index Universal Life Insurance Policy

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Locking in index values is simple and easy

Requesting a lock any time during the crediting period is easy to do and can be done by phone or online in your client account.

• That day's index value is locked in as of market close
• The locked index value protects from any negative index performance until the end of the term

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Get greater insight with our on-demand Index Lock Report

Run a report to see what allocations are available to be locked – across your entire book of business.
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Ready to get started?

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Need more information?
Call your Allianz representative.

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.

The Index Lock feature is available with select index allocation options.

Because the index lock occurs at the end of the business day, the index value used to determine interest credited may be higher or lower than the index value at the time of request.

When using sales material with clients, please ensure all applicable accompanying product brochures and/or marketing materials are presented.


Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Products P64339, C54370-MVA, R95352-MVA, R95316-01-MVA, C64237-MVA, R95228-MVA are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

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