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Tools and strategies to help grow your life insurance business

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Benefits of tax diversification

Offer a strategy for flexibility now and in the future.

Your clients may be approaching retirement with a combination of financial accounts – but have they considered how future tax environments could impact what they’ve saved? To address this concern, your client may seek to combine a variety of financial vehicles that are taxed different ways, at different times. For many reasons, fixed index universal life insurance is one strategy to consider.

When clients complement their portfolio with fixed index universal life insurance, they get a combination of three tax advantages:

  • a death benefit that is generally income-tax-free
  • tax-deferred accumulation value potential
  • the opportunity for income-tax-free loans and withdrawals from any available cash value accumulation2

Keep in mind that how your client funds their policy and other factors may affect how the loans and withdrawals are taxed.

More sales materials to share the power of tax diversification with your clients:

Diversification within an overall portfolio does not ensure a profit or protect against loss.

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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.

2 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.