summer lull index lock

An innovative feature offering a level of control in times of volatility, automatically. 

Perform an Index Lock manually or automatically.

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 they’re comfortable with the current index value and keep it for the entire crediting period, no matter what.

Even better, our new Auto Lock feature allows clients to set upper and/or lower targets within their contract or policy. If the index value reaches or exceeds the target, Auto Lock will automatically capture that day’s ending index value and hold it at that level until the end of the crediting period.

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 Control® 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 a death benefit 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+® Advantage Fixed Index Universal Life Insurance Policy

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Two ways to lock in gains

You can lock an index value simply by activating the Index Lock (either manually or with Auto Lock).
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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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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.

Setting targets authorizes Allianz to automatically activate an Index Lock once the target is reached, based on the index interest rate percentage at the end of the business day. Because of this, the index interest rate percentage may be higher or lower than the target. This service may be discontinued at any time.

You may activate an Index Lock manually online at any time, as long as an Auto Lock hasn’t already been activated. Activating Index Lock manually will cancel any current targets that are set for the current crediting period. If you decide to activate Index Lock manually – or if neither target has been reached at the end of the current crediting period – you will need to set new targets for the next crediting period.

Setting targets authorizes Allianz to automatically activate an Index Lock once the target is reached, based on the index interest rate percentage at the end of the business day. Targets need to be renewed after each crediting period and must be greater than the current index return for the crediting period. This service may be discontinued at any time.

5 Activating Index Lock manually will cancel any current targets you have set for the current crediting period.


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.