IMPORTANT UPDATES FOR MOLLY

› Product Suitability Form will be updated on August 20 Learn more

Rates

New rates are typically effective the first Tuesday of the month, with a preview of declared rates available one week prior.

› View now

A journey to financial fitness

Danica Patrick is back again to help bring awareness to the importance of life insurance.^† September is Life Insurance Awareness Month (LIAM) and it‘s right around the corner.

› Get a head start by watching Danica’s message to the industry

Is now the time for establishing SIMPLE IRA plans?

SIMPLE IRAs are a low-maintenance, relatively low-cost way for small businesses to offer tax-advantaged retirement plans for their employees.

› Tell me more

E-app vs. paper application processing times

As a result of recent positive product changes, we expect sales volumes to be extremely high, which will impact our standard service levels. We encourage you to use ApplyNOW or your firm’s application order entry system, which is the most efficient way for you to submit your business and for us to process it.

How long before a contract appears on the website:

Electronic applications: 30 minutes
Paper applications: 24-48 hours

› Additional tips to navigate expected high sales volume

ApplyNOW. Avoid delays. Earn more.

We expect high sales volumes to continue to impact standard service levels. Because ApplyNOW is the most efficient way for you to submit your business and for us to process it, you will earn an additional 25 bps in compensation on any commissionable fixed index annuity (FIA) submitted electronically through ApplyNOW through December 31, 2018. See compensation business rules.

Another reason to use ApplyNOW :
Its built-in suitability guidance alerts you when additional information is needed for review.

› View additional tips to help navigate high sales volume

Thank you again for your business and support.

Client sales idea: Baseball and the benefits of diversifying your fixed index annuity

Our client sales idea Baseball and the benefits of diversifying your fixed index annuity explains how you can hope for home runs from a single source – or you can create a team that can work together to help deliver the results you need. It is based on our producer-facing white paper “Choosing Your FIA Allocation Lineup.”

Call us to find out about all of our diversification tools, including a video, a calculator, and more.

Diversification does not ensure a profit or protect against loss.

Beneficiaries – an important but often forgotten topic

A beneficiary designation – like any legal document – is no small matter. Yet as life events happen, the client’s beneficiary designations are often overlooked or not updated.

Because of the potential complexity of certain beneficiary designations, it’s generally advised to have the family’s attorney involved when drafting complicated beneficiary designations. There are too many variations and different types of designations to cover all scenarios, so we will highlight some of the more common types along with basic cautions to watch for.

› Read more

CONNECT WITH ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

www.allianzlife.com
www.allianzlife.com/new-york

Allianz Life Insurance Company of North America

Allianz Life Insurance Company of New York

† Danica Patrick is a paid spokesperson for Life Happens.

Materials available on the Life Happens website may not be compliance-approved. Please ensure you are adhering to your firm’s marketing and advertising policies and procedures.

Life Happens receives annual financial support from more than 130 leading life insurance companies, including Allianz Life Insurance Company of North America (Allianz), all of which share Life Happens’ commitment to making sure consumers have the knowledge needed to make informed insurance-buying decisions.

This newsletter may periodically provide you with links to outside articles and websites. Please note that the information and opinions included are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by the issuing company. It is being provided for informational purposes only and is not a solicitation for the purchase of any product, nor should it be construed as advice designed to meet the particular needs of your clients. Always ensure you follow the current policies on the use of any advertising, third-party materials and/or social media as required by your broker/dealer and/or the carriers that you represent.

This newsletter is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America, Allianz Life Insurance Company of New York, their affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney.

For more complete information about the issuing companies variable annuities and variable investment options, call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Retirement consultants market and distribute products manufactured by Allianz Life Insurance Company of North America and Allianz Life Insurance Company of New York. Retirement consultants provide education and information related to products they market and do not provide financial or investment advice.

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. www.allianzlife.com. In New York, products are issued by Allianz Life Insurance Company of New York, 28 Liberty Street, 38^th Floor, New York, NY 10005-1422. www.allianzlife.com/new-york. Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. Only Allianz Life Insurance Company of New York is authorized to offer annuities and life insurance in the state of New York.

• 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

CONFIDENTIALITY NOTICE: The information in this email may be confidential and may be legally privileged. It is intended only for the use of the individual(s) named above. If you are the intended recipient, be aware that your use of any confidential or personal information may be restricted by state and federal privacy laws. If you, the reader of this message, are not the intended recipient, you are hereby notified that you should not further disseminate, distribute, or forward this email. If you have received this email in error, please notify the sender and delete the message. Thank you.

For financial professional use only – not for use with the public.
Variable annuity material and information is intended for registered representatives only and is not approved for insurance agents.
Product and feature availability may vary by state and broker/dealer.

EGEN-1348

(R-10/2016)