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Tools and strategies to help grow your life insurance business

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Benefits of diversification

Score the benefits of a diversified lineup

Fixed index universal life insurance provides death benefit protection and opportunity to build accumulation value for future needs. Because it’s impossible to predict the market environment and which index allocation option could be a “home run hitter,” it’s important to focus on the potential for consistency and getting on base. That’s why our innovative index allocation options are designed to provide your clients with more opportunities to help make it happen.

Index allocation diversification can help your clients seek the results they want, with the potential for:

  • consistent index returns
  • consistent results in various market environments
  • fewer chances of receiving 0% interest credit

Please note that diversifying within a fixed index universal life insurance policy does not ensure your client’s policy will earn indexed interest.

More sales materials to share the power of a diversified lineup with your clients:

Score the benefits of a diversified lineup

The benefits of diversifying your FIUL insurance policy

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Operations solutions

Please check with your back office (or up line) regarding requirements and qualifications needed to sell Foreign National cases prior to sales/solicitation. There are strict training and qualification requirements.

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Ready to learn more?

For access to all of our marketing tools and resources, log in to our agent website at www.allianzlife.com or call the Life Case Design Team at 800.950.7372.

1 FIUL is not a source for guaranteed income in retirement. FIUL provides a death benefit for beneficiaries and offers the potential to help supplement a retirement strategy through its additional features.

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 clients should consult a tax professional.


The indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.

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

Product P64339 is issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.1962.

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

For financial professional use only – not for use with the public.