Fixed index universal life insurance, such as the Allianz Life Pro+, offers the coverage and protection you need from life insurance but with added flexibility for potential cash value accumulation and living advantages.
Issue ages 0-80
$100,000 minimum death benefit
Flexible death benefit options based on client needs and goals
Flexible premium payment options
Chronic Illness Accelerated Benefit Rider1 and Terminal Illness Accelerated Benefit included
10 Year Surrender Charge period
Multiple Index Allocation options, including a blended index and the innovative Barclays US Dynamic Balance index
Access to cash value through policy loans and withdrawals2 while the insured is living
Multiple additional rider options available for an additional cost in order to customize the product to a client’s need
1Subject to age and underwriting requirements. The rider is available to an additional cost at the time the rider is exercised. There is no cost if the rider is not exercised. Accelerated benefits may be taxable.
2 Policy loans and withdrawals will reduce available cash values and death benefits, and may cause the policy to lapse or affect any 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. You should consult a tax professional.
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The Barclays U.S. Aggregate Bond Index is comprised of U.S. investment grade, fixed-rate bond market securities, including government agency, corporate, and mortgage-backed securities. The Barclays US Dynamic Balance Index is comprised of the Barclays U.S. Aggregate Bond Index and the S&P 500® Index and shifts weighting daily between them based on realized market volatility. Allianz products are not sponsored, endorsed, sold, or promoted by Barclays. Barclays makes no representation or warranty, express or implied, to the owners of Allianz products or any member of the public regarding the advisability of investing in securities generally or in Allianz products particularly or the ability of the Barclays Indices, including without limitation, the Barclays U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index, to track general bond market performance. Barclays’ only relationship to Allianz Life Insurance Company of North America and its affiliates (“Allianz”) is the licensing of the Barclays U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index which is determined, composed, and calculated by Barclays without regard to Allianz or Allianz products. Barclays has no obligation to take the needs of Allianz or the owners of Allianz products into consideration in determining, composing, or calculating the Barclays U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index. Barclays is not responsible for and has not participated in the determination of the timing of, prices of, or quantities of Allianz products to be issued or in the determination or calculation of the equation by which Allianz products are to be converted into cash. Barclays has no obligation or liability in connection with the administration, marketing or trading of Allianz products.
BARCLAYS DOES NOT GUARANTEE THE QUALITY, ACCURACY, AND/OR THE COMPLETENESS OF THE BARCLAYS INDICES, OR ANY DATA INCLUDED THEREIN, OR OTHERWISE OBTAINED BY ALLIANZ, OWNERS OF ALLIANZ PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE BARCLAYS INDICES, INCLUDING WITHOUT LIMITATION, THE BARCLAYS U.S. AGGREGATE BOND INDEX AND BARCLAYS US DYNAMIC BALANCE INDEX, IN CONNECTION WITH THE RIGHTS LICENSED HEREUNDER OR FOR ANY OTHER USE. BARCLAYS MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE BARCLAYS INDICES, INCLUDING WITHOUT LIMITATION, THE BARCLAYS U.S. AGGREGATE BOND INDEX AND BARCLAYS US DYNAMIC BALANCE INDEX, OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL BARCLAYS HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.