ALLIANZ TODAY EMAIL NEWSLETTER

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IMPORTANT UPDATES FOR STEPHANI

› Upcoming FIA client anniversary alert: 1 contract Find out more

Rates

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

Show your clients the potential cost of sitting on the sidelines.

A simple break-even rule of 100

In today’s low interest rate environment and uncertain economy, many people are sitting on the sidelines with their retirement savings. They may be choosing to hold on to their money today in hopes that interest rates will increase and present a more attractive solution down the road.

But what they may not realize is that this waiting period could be a costly one – even if interest rates increase in the future.

Our sales tool provides a simple way to calculate how many years it could take to recoup the interest they’re missing out on for each year they sit on the sidelines, based on how much they expect interest rates to increase over time.

› View the break-even rule of 100

Your product offerings just got BIGGER!

It launches today: Term Pro+SM Life Insurance.

Term Pro+ offers:

  • Protection for your clients’ lives – on their terms
  • Affordable solutions for the appropriate time
  • Exchangeability to an Allianz permanent life insurance policy1

Term Pro+ Life Insurance is an affordable term life insurance solution from Legal & General America available through Allianz Life Insurance Company of North America (Allianz). Term Pro+ is underwritten and issued by Banner Life Insurance Company, a subsidiary of Legal & General America, located in Urbana, MD.

› Learn more

1 Exchange into a permanent Allianz life insurance policy in year 2-5. Additional considerations and restrictions may apply.

Safeguarding Our Seniors

Elder financial abuse remains an underreported and misunderstood issue

Supported by the findings from the 2014 Safeguarding Our Seniors study, Allianz Life Insurance Company of North America (Allianz) and Allianz Life Insurance Company of New York (Allianz Life® of NY) are dedicated to providing you resources to educate financial professionals and the community about elder financial abuse.

› View the “Recognizing elder financial abuse” guide (ENT-1673-N).

You still have time. Use ApplyNOW and earn up to $100 per FIA application.

Reduce application errors and earn extra cash.

With ApplyNOW, 92% of FIA applications are submitted in good order – vs. 36% with paper applications. And for a limited time, you’ll earn up to an extra $100 for each FIA application submitted.

› Learn more

WEBINAR: End 2016 strong with a new product, features,and promotions

December 8 at 2:00 p.m. Central time. Register today!

2016 is coming to a close, but we are still in full swing offering you a new product, features, and promotions to help you end the year strong. From a new life insurance product and index allocation option, to two limited-time promotions that run through the end of the year – we’ve got it all!

Join us on December 8 to get all the details.

› Learn more

IRA inheritance trust

Understanding the basics

When naming a trust as a beneficiary there are some basic rules you must understand, or it may not fulfill what you are trying to accomplish.

› Read more

Reminder to take required minimum distributions (RMDs) by December 31, 2016

As year-end approaches, it is important to review your clients’ tax arrangements and make sure they take their required minimum distributions (RMDs) by 12/31/2016, if they haven’t already done so. Failure to do so could result in a 50% federal additional tax on any amount not taken.

› Read more
Events

› End 2016 strong with a new product, features, and promotions webinar 12/8/2016

NOTEWORTHY

› Holiday hours and year-end processing

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Allianz Life Insurance Company of North America
Allianz Life Insurance Company of New York

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, 38th 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.

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(R-10/2016)