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Allianz Life Insurance Company of North America

One policy, many purposesAn introduction to fixed index universal life insurance

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What if the unexpected happened?

What would happen if you died prematurely? Would your family have the assets to continue their

current lifestyle? Would there be money for college, final expenses,

or estate taxes?

What would happen if you outlived your retirement assets? Are you accumulating enough to ensure a

comfortable retirement? How will the future economy affect the value

of your assets?

Life insurance can address several important concerns.

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Why consider life insurance?

Life insurance can address immediate needs when the insured dies, including: Income replacement College funding Mortgage and other debts Estate taxes Business succession Final expenses

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What type of life insurance is right for you?

Different types of life insurance can provide different combinations of protection and accumulation potential.Term life Death benefit protection only Coverage is for a specific period of time Level, predictable premium payments No cash value accumulation potential

Whole life Death benefit protection Can provide coverage for your

entire lifetime Level, predictable premium payments

Universal life Death benefit protection Can provide coverage for your

entire lifetime Flexible premium payments Potential cash value accumulates

via a fixed interest rate

Fixed index universal life (FIUL) Death benefit protection Can provide coverage for your

entire lifetime Flexible premium payments Potential cash value accumulates via

indexed interest and cannot decrease due to market volatility

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FIUL can address several financial concerns.

It provides advantages now and in the future, such as: An income-tax-free death benefit for your beneficiaries Building potential cash value tax-deferred for retirement or

other needs The flexibility of larger premium payments to help meet your

financial goals Premium amounts are not restricted based solely on

your income Access to your cash value income-tax-free via policy loans1

1Policy loans will reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. 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. Tax laws are subject to change and you should consult a tax professional.

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Access your cash value for several needs.

FIUL policies can provide a systematic way to accumulate cash value on a tax-efficient basis for future needs: Supplemental retirement income Supplemental college funding Emergencies Business planning strategies Other financial needs

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What makes FIUL different?

Indexed interest makes the difference. Cash value may be credited interest based

on positive changes in an external index

Positive results = indexed interest credited Negative results = no indexed interest

credited, but no cash value loss

Interest is locked in each year

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How does it work?

Premium

Minus fees, expenses

and cost of insurance

Death benefit:Income-tax-free death benefit to

beneficiariesMaximum IRS allows

Minimumpremium required

Life insurancecash value

accumulationLiving

advantages:Access to cash

value income-tax-free via loans1

Premium

flexibility

1Policy loans will reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. 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. Tax laws are subject to change and you should consult a tax professional.

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Three types of tax advantages:

FIUL provides tax advantages to help your beneficiaries and accumulate cash value: Income-tax-free death benefit Tax-deferred accumulation Tax-free income via policy loans1

1Policy loans and withdrawals reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. 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. Tax laws are subject to change and you should consult a tax professional.

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Thank you!

Is fixed index universal life insurance right for you?Ask me how it can provide both death benefit protection and cash value accumulation potential for the future.

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