Flexible estate planning strategies

Fixed index universal life (FIUL) insurance can play an important role


An estate plan should have flexibility to react to changing events

Estate planning strategies can help reduce taxes, protect assets from creditors, avoid family strife or the mismanagement of an estate, and even help keep a business in the family. But there’s only so much you can plan ahead for. Changes happen:
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Updates to tax laws

There’s no certainty about taxation levels in the future, or when or what tax laws may change – that’s why your estate needs flexibility to address the unknown.

Family dynamics

Life events can affect family relationships, but building flexibility into your estate plan with life insurance can help preserve family harmony and avoid conflict.

Personal financial needs

Whether it’s ensuring more financial protection for loved ones, or creating a legacy, a flexible estate planning strategy can help address changes in your financial goals.

See how FIUL can work in an estate planning strategy

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More about the uses of life insurance in estate planning

With its unique combination of death benefit protection, accumulation potential, and tax advantages, Allianz Life Pro+® Advantage Fixed Index Universal Life Insurance Policy can help keep estate goals on track through a variety of life changes. Use these resources to find out more.

Does Allianz Life Pro+® Advantage belong in your estate planning strategy?

Talk to your financial professional about Allianz Life Pro+® Advantage and whether its unique features may help support your financial goals.

FIUL requires qualification through health and financial underwriting.

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

Allianz Life Insurance Company of North America does not provide financial planning services.

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 or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.

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)

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