Allianz Annuities Can Be Key to Supplementing Your Future. 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. We respect your privacy. PIMCO’s Trademark(s) are trademarks of PIMCO and have been licensed for use by SPDJI and Allianz. This course will equip you to understand how and when to use the Allianz Life Pro + Advantage IUL product to best serve your clients. Terms, conditions, and exclusions apply. Life Pro+ Advantage offers enhanced flexibility and control, including multiple ways to access available cash value via policy loans and withdrawals1 and the unique index lock feature that provides the ability to lock in indexed interest credit at any point during the crediting period, prior to the policy anniversary2. The Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. 3 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. I/we are self supporting so I'm simply looking for the highest commission level as possible. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or PIMCO and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the PIMCO Tactical Balanced Index. This design multiplies any annual indexed interest by 15%.         • Policy years 10+: 4% of premium. Like basic universal life, this policy has a death benefit that can be left to the beneficiary income-tax free, as well as paying for final expenses and other costs left behind after death. Additional premium payments may be required to keep the policy in force. The S&P 500® Index (S&P 500®) is comprised of 500 stocks representing major U.S. industrial sectors. current Allianz Life Rate Watch, which can be found at www.allianzlife.com or by calling the Life Case Design Team at 800.950.7372. 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. The maximum discount factor is determined by the life expectancy of the insured and the discount factor at the time of acceleration. Allianz Life Pro+ Fixed Universal Life Insurance is the main life product for individuals. No single index allocation option will be most effective in all market environments. The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group or their licensors, which is used under license. This brought Life Pro+ back into line with its competitors without requiring Allianz to make material adjustments to the chassis. * Any change in the index’s value that is greater than or equal to zero will trigger a predetermined interest rate – the Trigger Interest Rate. This policy provides coverage and features comparable to Allianz’s other Life Pro series policies and is specifically designed for long-term asset protection. BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively “Bloomberg”). A provider of fixed index annuities, Allianz Life is part of Allianz SE, a global company involved in the financial services industry with over 142,000 employees in more than 80 countries. These indexes are benchmarks only. 40% bonus opportunity with 1% annual asset charge. The fixed interest rate is guaranteed to never be less the 0.1%. Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals 3 while the insured is living. S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). The company's greatest strength is its selection of annuity solutions, although its stellar financial strength is also another strong point for it. The PIMCO Synthetic Bond ER Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets in excess of a benchmark rate. Power 2019 Life Insurance Study Tax laws are subject to change and you should consult a tax professional. 206 – Allianz Life Pro + Advantage IUL - $0.00. Allianz Life Pro Plus. The discount factor is based on age, premium class, current cash value of the policy, and current discount factor interest rate at that time. Allianz Life Pro+ Advantage SM Fixed Index Universal Life … Allianz has been good to me for more than 5 years. The "PIMCO Tactical Balanced ER Index" (the "Index") is a rules-based index that tactically allocates across U.S. equity and fixed income markets using quantitative signals. If their past and present are any indicators, your life insurance is in good hands with Allianz. Blended index is comprised of Dow Jones Industrial Average (35%), Bloomberg Barclays US Aggregate Bond Index (35%), EURO STOXX 50® (20%), and Russell 2000® Index (10%). There are three separate annual fees associated with the Allianz Index Advantage Variable Annuity: a 1.25% product fee, a $50 contract maintenance charge and a … This could be an option for clients who may want a conservative approach and a guaranteed credit. “We are also focusing on providing top-notch education to the financial professional to help ensure they have a good understanding of AG 49 A and how it could impact the way FIUL policies are sold.”. Please Join Jeff Wick with Allianz! Monthly expense charge: The expense charge is a per $1,000 charge of your policy’s specified amount, and is based on factors such as the insured’s gender, age, specified amount, and risk class. For example, the outgoing Life Pro+ has been around since 2011 but got a refresh in 2015 when Allianz added a 15% bonus to credited returns after the 10 th year and funded the bonus with slightly higher initial charges. Can the policy help me address other financial needs. The Allianz Life Pro+ Survivor Fixed Index Universal Life Insurance policy is a good and cost effective way to insure two individuals at the same time. Nontobacco (ages 18-80): Preferred Plus, Preferred, Standard, Tobacco (ages 18-75): Preferred Tobacco, Standard Tobacco. The expense charge is deducted from the current accumulation value for the first 15 policy years, or through age 32 for juveniles. The Russell 2000® Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000® Index, which is made up of 3,000 of the biggest U.S. stocks. By submitting a lump-sum amount to the Premium Deposit Fund, we’re able to automatically transfer your annual premium payments into your life insurance policy for you. The expense charge is calculated at the time of policy issue. The Bloomberg US Dynamic Balance II ER Index is comprised of the Bloomberg Barclays US Aggregate Custom RBI Unfunded Index and the Bloomberg US Equity Custom Futures ER Index and shifts weighting daily between them based on realized market volatility. “While regulations and markets continue to change, Allianz Life is focused on delivering innovative product solutions to help clients protect their finances and address risks both in the short and long term,” said Jason Wellmann, senior vice president of Life Insurance Distribution, Allianz Life. If you choose the monthly sum or annual point-to-point crediting method, which include caps on indexed interest, Allianz will guarantee a 100% participation rate over the life of the policy. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. The DPSC is given to you by Allianz when your contract goes into effect, although it can change. You can learn more about bonus opportunities further down the page. Bloomberg does not guarantee the timeliness, accurateness or completeness of any data or information relating to the Indices, and shall not be liable in any way to Allianz, investors in the Allianz product or other third parties in respect of the use or accuracy of the Indices or any data included therein. Allianz Life Pro+ Advantage SMFixed Index Universal Life Insurance Policy is designed to change as your needs do, by offering important features to help through all stages of life. • Blended Index: A blend of four indexes: Bloomberg Barclays US Aggregate Bond Index, Russell 2000® Index, Dow Jones Industrial Average, and EURO STOXX 50® If the Bloomberg US Dynamic Balance II ER Index or PIMCO Tactical Balanced ER Index options are chosen, Allianz will establish the participation rate on each policy anniversary. It takes a well-informed and well-executed strategy to have enough money to live on in your retirement years. – Allianz Life Pro+Advantage, a IUL product, is probably the best for retirement savings purpose – The company has low complaints through the National Association of Insurance Commissioners (NAIC) – Allianz has an A+ financial strength rating with AM Best – Got the lowest two-circle rating through the J.D. Get breaking news, exclusive stories, and money- making insights straight into your inbox. Allianz Life Insurance Company was initially founded back in the year 1890. Medicare crisis solved?! AGA Service Company is the licensed producer and administrator of these plans.         • Policy years 1-9: 14% of premium Bonused: 15% multiplier bonus [Editorial queries for this story should be sent to gbn@enpublishing.co.uk] You should consult with your tax advisor. Contractors Begin Second Pass At Oklahoma Ice Storm Cleanup, Severe Weather Possible New Year’s Eve In Alabama, DealerPolicy Survey: Buyers Want Integrated Auto Insurance, How Brokers Can Protect Themselves From Lawsuits During COVID-19, COVID, Hurricane Season, Dominate Top Stories Of 2020, FIUL Sales Process Continues To Evolve With AG 49 A, Exciting New Partnership for FSG and Fortify Insurance Group, Mark Scalercio Joins OneAmerica® as Senior Vice President, Global Insurance Symposium Returns to Showcase Industry Trends & Future, Multiplier bonuses shown in the illustration are to be no higher than the maximum illustrated rate of the benchmark index, Individual indexed allocations will now have specific maximum illustrated rates, Participating (indexed) loan arbitrage will be limited to 50 bps above the loan charge, New classic (flat-rate) bonus for a guaranteed interest credit, Enhanced sales tools including  a simplified consumer brochure, showcase tool for educational case studies, and redesigned illustration, Continued support of the Allianz Life volatility control indexes and Index Lock – exclusive features designed to provide the potential for more consistent performance in today’s environment. As a subsidiary world's largest insurance company, it's no surprise that Allianz is able to offer such a wide variety of products. It does have a death benefit, which I like as I have two kids. Not all bonuses guarantee that a policy will be credited with an interest bonus every year as some are based on the growth of an index. Life. Given this company’s long tenure in the insurance marketplace, it has really built up a strong financial foundation, along with a good, solid reputation for paying out its policyholders’ claims. How much indexed interest your policy can earn may be limited by a cap. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Classic: 0.90% guaranteed flat rate bonus Fees. • S&P 500® Index: 500 stocks representing major U.S. industrial sectors. Premium Deposit Fund Rider – combines all of the advantages of life insurance with the simplicity of a single lump-sum payment. Free College Tuition as The Ultimate Door Opener Allianz launches its newest IUL Accumulation product – Life Pro+ Advantage. In addition to providing death benefit protection, the new product features also provide more options for clients and new sales tools for the financial professionals who sell the … Life Pro+ Advantage has additional riders and benefits, so you can customize your policy for your specific needs. The index allocations that offer the interest bonus will generally have lower caps and participation rates. Annual point-to-point with a participation rate, Classic: Allianz LifePro+ Advantage Forms DOL COMPLIANCE CERTIFICATION ALLIANZ LIFEPRO+ ADVANTAGE LONG FORM APPLICATIONS (Excluded CA & FL) ALLIANZ LIFEPRO+ ADVANTAGE LONG FORM APPLICATIONS Please note: The Allianz Life Pro+ Elite application forms vary LTCi Agents, uncover the solution to the looming Medicare crisis now! Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. He touts it as the best as far a tax hit goes for a long-term investment. This could be an option for clients who are willing to pay a charge in return for a higher bonus and greater indexed interest potential. Plan(s) Underwritten by BCS Insurance Company or Jefferson Insurance Company depending on insured’s state of residence. This could be an option for a client who is looking for a moderate choice with bonus potential but no charges associated with the bonus. 2 May not be available in all states and the name may vary by state. When the insured turns 120, the death benefit equals the accumulation value. You have the flexibility to choose which death benefit option best suits your needs. Here’s a quick recap of some of the company’s most advantageous attributes: 1. The PIMCO Synthetic Bond Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets. Surrender charge: 12-year decreasing surrender charge (based on age, gender, death benefit amount, and risk class). MINNEAPOLIS – Dec. 14, 2020 – Allianz Life Insurance Company of North America has announced new enhancements to its Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. The days of every company offering a pension are fast disappearing, and with the future solvency of Social Security benefits rapidly coming into question, it is likely that you will need a diversified strategy to fund your future. World Shares Edge Higher As Hopes Turn To Stimulus, Vaccines, More Charged, $12M To Victims: South Florida Company’s $281M Fraud Case, With Second Stimulus Checks Coming, Florida AG Warns Of Scams, A New Look To Year-End Tax Planning In 2020, Top 5 Annuity Stories Of 2020: A Roller-Coaster Year, NC Man Shuns Annuity In Claiming $1 Million Prize, Cayman Islands Reinsurers Form Industry Group, Powerball Ticket Sold In NC Wins $1 Million Prize, Be Wise When Projecting Retirement Income, Florida Dead Last On Nationwide Ranking Of Long-Term Care, Extension Allows Californians To Sign Up For Health Insurance Through Jan. 6, First Reported U.S. Case Of Virus Variant Found In Colorado. A bonus design that adds a consistent bonus rate to the policy’s annual accumulation value. Withdrawals in excess of premiums paid will be subject to ordinary income tax. To explore which allocations you may want to consider based on your perspective on equity markets, market volatility, and interest rates, try our Allocations Insights Tool. Agents coming here are finding a career and life filled with purpose, meaning and gratitude. The PIMCO Tactical Balanced Index is comprised of the S&P 500® Index, a bond component comprised of the PIMCO Synthetic Bond Index and a duration overlay, and cash, and shifts weighting between them daily based on historical realized volatility of the components. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Index. A bonus design that multiplies any annual indexed interest by 40% but also includes a 1% annual asset charge. Ask your financial professional for the current cap. 15% bonus opportunity, Select: The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by Allianz Life Insurance Company of North America. The proceeds of this policy will be paid out upon the death of the second insured. Bonuses all begin in policy year one and are available with three of our index options shown below. Term Pro+: Allianz’s one term life offering is the Term Pro+ policy. 10/15/20 11:00 AM - 12:00 PM. View Guidelines. At the same time, Allianz Life is introducing changes that will help comply with the newest phase of Actuarial Guideline 49 (AG 49 A), which is intended to help standardize fixed index universal life (FIUL) insurance policy illustrations across the industry by establishing guidelines that are more conservative. The minimum initial premium payment is based on age, gender, risk class, death benefit, and riders, but is never less than $25/month or $300/year. Death benefit option A (level): Your death benefit will be equal to the specified amount. Annuities Fixed Index Annuities . The U.S. Equity Futures Custom Index provides exposure to large cap U.S. stocks in excess of a benchmark rate. In other words, you are not buying shares in an index. For more details on allocation options, see our Allocation Guide brochure. 0.90% flat rate bonus, Bonused: Index allocation options may be subject to a cap and/or participation rate. Allianz Life today announced the launch of the Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. The Allianz Life Pro+ Elite index menu includes a fixed-interest option, the Bloomberg US Dynamic Balance Index II, the Allianz True Balance index and the PIMCO Tactical Balanced Index. I currently have a 140% level but don't like the IMO and am looking for a change. This choice includes an allocation restriction, meaning clients may not be able to allocate 100% of their accumulation value, if the fixed account goes below 1%. Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals3 while the insured is living. S&P® and S&P 500® are trademarks of S&P. 1 Fees and expenses will reduce the accumulation value. The Allianz Life Index Advantage Annuity can provide the ability to attain a nice amount of growth, while also limiting the amount of loss that can be incurred in a given time period. The cap is the maximum percentage of index change we use for a specified time period to determine how much interest we credit to your policy in a given contract year. The death benefit increase is taxable. For explanations of each rider and any potential costs and/or restrictions, see the product profile. This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. This participation rate will be guaranteed to never be less than 5%. The Product is not sold, sponsored, endorsed or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. Instead, you will potentially receive interest based on positive changes in the index(es) you’ve selected, subject to any caps (an upper limit on how much interest you can receive) and/or participation rates (the percentage of an index return that will be credited to your policy). However, the only index options in the Classic allocations are – you guessed it – proprietary indices. There are several ways to access your available cash value without incurring surrender charges: THIS is THE BEST Kept Secret in the Industry The PIMCO Tactical Balanced ER Index is comprised of the U.S. Equity Futures Custom Index, a bond component comprised of the PIMCO Synthetic Bond ER Index and a duration overlay, and shifts weighting between them daily based on historical realized volatility of the components. See how Simplicity Group is helping its agents meet with more clients. Remember that, with an external index, your policy does not directly participate in any equity or fixed income investments. Death benefit option B (increasing): Your death benefit will be equal to the specified amount plus the accumulation value. Description. This type of plan can be more cost effective than the purchase of two individual life insurance policies. Because your needs and goals may change, you also have the opportunity to change your death benefit option after the first policy year. 2. Death benefit option C (return of premium): Your death benefit will be equal to the specified amount plus the premium you have paid into the policy. Index Variable Annuities $0.00. PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. In the event that the Index is no longer available to the Product or Product owners, the Company may seek to replace the Index with another suitable index, although there can be no assurance that one will be available. There are several ways to access your available cash value without incurring surrender charges: May not be available in all states and the name may vary by state. Product and feature availability may vary by state and broker/dealer. 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. The “PIMCO Tactical Balanced Index” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and Pacific Investment Management Company LLC (“PIMCO”), and has been licensed for use by Allianz Life Insurance Company of North America (“Allianz”). Bloomberg or Bloomberg’s licensors own all proprietary rights in the Bloomberg US Dynamic Balance II ER Index and/or the Bloomberg US Equity Custom Futures ER Index (“Indices”). • Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF, Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. Allianz products are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in Allianz products. To comply with AG 49 A guidelines, the company is implementing the following changes: Allianz Life is also introducing the following product enhancement, and rolling out new digital tools, including: Foresters Financial Launches Accidental Death Insurance, Health Insurance Industry Stable In 2021, Moody’s Reports, How Allianz is leading the evolution with enhanced client education and the potential for greater indexing control Allianz Life Insurance…, Find out how you can submit content for publishing on our website. Life. Life Pro+ Advantage provides a death benefit that’s … Ask your financial professional for the current interest rate. Its newest IUL accumulation product – Life Pro+ Advantage provides flexibility and access to the chassis 10... With more clients direct or go under an IMO to write Allianz IUL business responsibility liability... Change and you should consult a tax hit goes for a long-term investment should! 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