Leading with Innovation. Delivering with Purpose.

Actionable insights, innovative strategies, and exclusive tools to help you serve clients better and grow your business.

The indexed universal life (IUL) space is rapidly evolving—and Allianz is proud to be helping lead the way. As client expectations shift, economic conditions fluctuate, and the regulatory environment grows more complex, one thing is clear: innovation is essential. That’s why we created this IUL guide: to give you relevant insights, real-world strategies, and powerful tools to help you grow your business and better serve your clients.

At Allianz, innovation is about solving real challenges your clients are facing and building long-term value. That means developing innovative product features, leveraging proprietary platforms like our in-house affiliate’s hedging desk¹ to help influence product design, and ensuring that every advancement works as hard for your clients as you do. From lockable index allocations to an interactive illustration experience, we offer tools designed to create long-term value. The value of these innovative features are in addition to the traditional benefit of life insurance, the financial protection of the death benefit.

This guide brings that innovation to life. Inside, you’ll find articles that explore:

• Diversifying within an IUL policy to help create more resilient, credible strategies—without sacrificing accumulation potential

• Putting clients in greater control with features like Index Lock, designed to offer added flexibility in uncertain markets

• Leveraging the Life Advanced Markets turnkey program to engage small business owners in meaningful, action-oriented succession planning conversations using IUL

• Elevating your sales process with
Ensight, an interactive digital platform that transforms complex IUL illustrations into simple, compelling client conversations

Whether you’re new to Allianz or a long-time partner, this guide is designed with your success in mind. It’s more than information. It’s a resource you can put into action. Our goal is simple: to equip you with tools, insights, and solutions that deepen client trust and deliver long-term value no matter how the market shifts.

Thank you for your continued partnership and for the work you do to help your clients secure their futures. We’re honored to support you, and we’re excited about what we can achieve together as the IUL landscape continues to grow.

Sincerely,
Jason Wellmann

Senior Vice President, Life Distribution
Allianz Life Insurance Company of North America

1 Allianz Investment Management U.S. LLC (AIM US), a wholly-owned subsidiary of Allianz Life Insurance Company of North America, provides investment management and hedging services to the broader Allianz Group.

Indexed universal life insurance (IUL) provides a death benefit that is generally paid income tax-free to beneficiaries, as well as accumulation potential that can be used for various financial needs. 

Indexed universal life insurance policies require qualification through health and financial underwriting.

Diversifying within a policy does not ensure that it will be credited with interest in any given year.

Because the index value locks at the end of the day, the value used to determine the index credit may be higher or lower than at the time of the request. Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised. We will not provide advice or notification regarding whether to exercise an Index Lock or the optimal time for doing so.

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

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

This content does not apply in the state of New York.

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

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