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  • For financial professional use only.Not for use with the public.PAllianz Life Insurance Company of North America

    Agent Product GuideLife Portfolio

    M-3584

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  • This is intended as a highlight of the life portfolio features. For more complete information, please refer to the individual product agent guides, policy contracts, and illustrations.

    Allianz Life Pro+ Fixed Index Universal Life Insurance Policy

    Allianz Life Pro+ SurvivorSMFixed Index Universal Life Insurance Policy

    Product positioning May be a good fit for those clients who need life insurance and like the opportunity to accumulate cash value based on indexed interest. The cash value can be accessed income-tax-free for future needs, such as supplemental college funding or retirement income and can also be protected from the effects of inflation.Designed to insure two people with one policy. It provides a blend of potential cash value accumulation and guarantees. May be suitable for married couples, as well as business partners.

    Actual issue ages 0-80 30-80

    Issue amounts (Death benefits greater than our internal retention, autobind, or jumbo limits will need reinsurance consideration.) $100,000 minimum on primary insured $65,000,000 maximum (subject to limitations) $200,000 minimum $65,000,000 maximum (subject to limitations)

    Premium bands $100,000-$299,999 $300,000-$499,999 $500,000-$999,999 $1,000,000+ $200,000-$499,999 $500,000-$999,999 $1,000,000+

    Minimum premium, based on age, gender, and risk class, but never less than the following $25/month, $300/year $25/month, $300/year

    Additional features Death benefit (DB) options 10-year minimum DB guarantee Option A level DB Option B increasing DB Option C DB plus return of premium (only available at issue)

    Age 120 Death benefit equals accumulation value All loans become Preferred No premiums accepted, unless its necessary to keep

    the policy in force No deductions or charges will be assessed

    Crediting methods available Annual point-to-point Trigger method Monthly average Monthly sum

    Policyholder may select options in increments of 1% and change selections on every policy anniversary. Cannot allocate to Standard and Select Index Allocations at the same time.Standard Index Allocations S&P 500 Index Barclays US Dynamic Balance Index Barclays US Dynamic Balance Index with annual floor Blended index The blended index is comprised of:

    Dow Jones Industrial Average 35% Barclays Capital U.S. Aggregate Bond Index 35% EURO STOXX 50 20% Russell 2000 Index 10%

    Blended index with annual floor

    Select Index Allocation (available at an additional cost) Blended index with annual point-to-point crediting

    Fixed interest allocation

    Death benefit (DB) options 12-year minimum DB guarantee Option A level DB Option B increasing DB Option C DB plus return of premium (only available at issue)

    Age 120 of youngest insured Death benefit equals accumulation value All loans become Preferred No premiums accepted unless its necessary to keep the policy

    in force after age 120 No deductions or charges will be assessed

    Crediting methods Annual point-to-point Trigger method Monthly average Monthly sum

    Policyholder may select options in increments of 1% and change selections on every policy anniversary. Cannot allocate to Standard and Select Index Allocations at the same time.Standard Index Allocations S&P 500 Index Barclays U.S. Dynamic Balance Index Barclays U.S. Dynamic Balance Index with annual floor Blended index The blended index is comprised of:

    Dow Jones Industrial Average 35% Barclays Capital U.S. Aggregate Bond Index 35% EURO STOXX 50 20% Russell 2000 Index 10%

    Blended index with annual floor

    Select Index Allocation (available at an additional cost) Blended index with annual point-to point crediting

    Fixed interest allocation

    Risk classes Nontobacco (Preferred Plus, Preferred, Standard) Tobacco (Preferred, Standard) Juvenile (ages 0-17) Ask about our Lifestyle Credits Program Nontobacco (Preferred Plus, Preferred, Standard) Tobacco (Preferred, Standard) Ask about our Lifestyle Credits Program

    Minimum guaranteed interest rate 1.5% 1.5%

    Surrender charge 10 years decreasing (based on gender, age, death benefit amount, and risk class) 12 years decreasing (based on gender, age, death benefit amount, and risk class)

    Policy loans(Loans reduce the policys death benefit and may cause the policy to lapse. In the event of policy lapse, outstanding policy loans in excess of the policys unrecovered cost basis will be taxable as ordinary income.)

    Indexed (participating) loan: 5% interest charged up front, potentially offset by indexed interest credited, but is not guaranteedStandard loan: during first 10 policy years, 3.85% interest charged up front, offset by fixed interest credited; net cost 2%Preferred loan: during policy years 11+, 1.96% interest charged up front, offset by fixed interest credited; net cost 0%

    Indexed (participating) loan: 5% interest charged up front, potentially offset by indexed interest credited, but is not guaranteedStandard loan: during first 10 policy years, 2.91% interest charged up front, offset by fixed interest credited; net cost 1%Preferred loan: during policy years 11+, 1.96% interest charged up front, offset by fixed interest credited; net cost 0%

    Survivor benefit (Any amount received above the death benefit amount may be taxable.) Death benefit increases 10% if beneficiary chooses to take policy proceeds over a period of 10 years or longer. Death benefit increases 10% if beneficiary chooses to take policy proceeds over a period of 10 years or longer.

    Benefits or riders included at no additional cost (some benefits may be taxable) Terminal Illness Accelerated Benefit1 Chronic Illness Accelerated Benefit Rider1 Inflation Protection Rider1 Loan Protection Rider1 Terminal Illness Accelerated Benefit1,2 Chronic Illness Accelerated Benefit Rider1,2 Loan Protection Rider1 Policy Split Option

    Optional riders (Most optional riders incur an additional cost and may not be available in all states. The Premium Deposit Fund Rider does not incur an additional cost or charge.)

    Enhanced Cash Value Enhanced Liquidity Child Term Other Insured Term Waiver of Specified Premium Long Term Care Accelerated Benefit Additional Term Premium Deposit Fund

    Waiver of Specified Premium Estate Protection Enhanced Liquidity First-to-Die Premium Deposit Fund

    Top GA commissions (Refer to your commission schedule for complete details.)

    Option A: No trail commissionHigher first year, excess, and renewals (years 2-10) First-year commission for policies with the Enhanced Liquidity Rider (ELO) will be

    paid in five annual installments; with the Enhanced Cash Value Rider (ECVR), the first-year target commission will be paid in six annual installments.

    Option B: Trail commissions Pays out less first-year commission, but higher commissions in years 2 through 6

    Option A: No trail commissionHigher first year, excess, and renewals (years 2-10) First-year commission for policies with Enhanced Liquidity Rider (ELO) will be paid in

    six annual installments.

    Option B: Trail commissionsPays out less first-year commission, but higher commissions in years 2 through 6.

    1 This benefit or rider may be subject to age and underwriting requirements. While included at no additional cost, there is an additional cost for this benefit or rider once exercised. For financial professional use only not for use with the public. Product and feature availability may vary by state. 2 This benefit is only available to the last surviving insured. For your specific state variations, visit www.allianzlife.com or call the Life Case Design Team, 800.950.7372 (press 1 for Sales Support, then 2 for Life).

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  • Allianz Life Pro+ Fixed Index Universal Life Insurance Policy P54350Allianz Life Pro+ SurvivorSM Fixed Index Universal Life Insurance Policy P61843

    S&P is a registered trademark of Standard & Poors Financial Services LLC (S&P) and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones). These trademarks have been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P and S&P 500 are trademarks of S&P and Dow Jones, Dow Jones Industrial AverageSM, DJIA, and The Dow are trademarks of Dow Jones. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (Allianz). The S&P 500 and Dow Jones Industrial Average (DJIA) are products of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product.

    The Barclays US Dynamic Balance Index is comprised of the Barclays Capital U.S. Aggregate Bond Index and the S&P 500 Index and shifts weighting daily between them based on realized market volatility. The Barclays Capital 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.

    Allianz products are not sponsored, endorsed, sold, or promoted by Barclays Capital. Barclays Capital 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 Capital Indices, including without limitation, the Barclays Capital U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index, to track general bond market performance. Barclays Capitals only relationship to Allianz Life Insurance Company of North America and its affiliates (Allianz) is the licensing of the Barclays Capital U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index which is determined, composed and calculated by Barclays Capital without regard to Allianz or Allianz products. Barclays Capital has no obligation to take the needs of Allianz or the owners of Allianz products into consideration in determining, composing or calculating the Barclays Capital U.S. Aggregate Bond Index and Barclays US Dynamic Balance Index. Barclays Capital is not responsible for

    and has not participated in the determination of the timing of, prices at, 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 Capital has no obligation or liability in connection with the administration, marketing or trading of Allianz products.

    BARCLAYS CAPITAL DOES NOT GUARANTEE THE QUALITY, ACCURACY AND/OR THE COMPLETENESS OF THE BARCLAYS CAPITAL 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 CAPITAL INDICES, INCLUDING WITHOUT LIMITATION, THE BARCLAYS CAPITAL U.S. AGGREGATE BOND INDEX AND BARCLAYS US DYNAMIC BALANCE INDEX, IN CONNECTION WITH THE RIGHTS LICENSED HEREUNDER OR FOR ANY OTHER USE. BARCLAYS CAPITAL 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 CAPITAL INDICES, INCLUDING WITHOUT LIMITATION, THE BARCLAYS CAPITAL 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 CAPITAL HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

    The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland. Allianz products based on the Index are in no way sponsored, endorsed, sold, or promoted by STOXX and shall not have any liability with respect thereto.

    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 product is not sponsored, endorsed, sold, or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the product.

    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

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  • (R-9/2014)

    A leading provider of annuities and life insurance, Allianz Life Insurance Company of North America (Allianz) bases each decision on a philosophy of being true: True to our strength as an important part of a leading global financial organization. True to our passion for making wise investment decisions. And true to the people we serve, each and every day.

    Through a line of innovative products and a network of trusted financial professionals, and with over 2.6 million contracts issued, Allianz helps people as they seek to achieve their financial and retirement goals. Founded in 1896, Allianz is proud to play a vital role in the success of our global parent, Allianz SE, one of the worlds largest financial services companies. While we pride ourselves on our financial strength, were made of much more than our balance sheet. We believe in making a difference with our clients by being true to our commitments and keeping our promises. People rely on Allianz today and count on us for tomorrow when they need us most.

    True to our promises so you can be true to yours.

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

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

    Product and feature availability may vary by state.

    www.allianzlife.comProducts are issued by:Allianz Life Insurance Companyof North AmericaPO Box 59060Minneapolis, MN 55459-0060800.950.7372

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