Frequently Asked Questions (FAQ)

General life insurance questions

Indexed universal life insurance questions

Applying for life insurance


Talk to your financial professional to see if Allianz Life Accumulator™ Indexed Universal Life Insurance Policy is right for you

Here are some questions you should consider:


Do you have loved ones who will need financial support if you pass away prematurely?

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Do you hope to leave a legacy to family members or a charitable organization?

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Would you like the potential to build a source of available funds for future needs?


Are you interested in the opportunity for additional tax advantages?

1Policy 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.

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

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

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

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. (P64339)

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