Is your life insurance keeping up with your life?

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1 Allianz Life Insurance Company of North America Is your life insurance keeping up with your life? Make sure you re covered, with a policy review M-3961

2 Policy Review Guide First things first Why have life insurance? Before we look at your options, let s quickly review why you may need life insurance. 1Tax-free Life insurance provides your beneficiary with an income-tax-free death benefit. First and foremost, life insurance can give you the reassurance of knowing that, after you re gone, the people you care about will be taken care of. 2Tax- deferred Some policies give you the opportunity for cash value accumulation. Some types of life insurance policies can go beyond providing a death benefit by offering you the potential for tax-deferred cash value accumulation. As you think about your financial goals, consider the role life insurance can play in your overall financial strategy. 3Tax-free Consider the potential tax advantages. You can access your policy s cash value for many financial needs through income-tax-free loans and withdrawals. 1 And if your beneficiaries should receive a death benefit down the road, they won t have to pay income taxes on the proceeds of your policy. These are only a few of the benefits of life insurance. Now, let s see why you should consider a life insurance policy review. 1 Policy loans will reduce available cash values and death benefits, and may cause the policy to lapse or affect any guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Tax laws are subject to change and you should consult a tax professional.

3 Is your life insurance keeping up with your life? With all the demands on your time, you probably don t give your life insurance much thought. Are you sure it still meets your needs? It s time for a life insurance policy review. The goal of a policy review isn t to sell you a new product. Rather, it s intended to make sure your current policy still meets your needs. If you haven t taken a careful look at your life insurance policy lately, you could be: Leaving an inadequate death benefit for your beneficiaries Risking a policy lapse because of growing fees and/or cost of insurance Missing an opportunity to make your policy part of your overall financial strategy A policy review can help confirm that your insurance still meets your needs. If you ve held your policy for more than 10 years, inflation may have eroded the value of your policy s death benefit. If you bought a policy with a $100,000 death benefit in 1989, for example, it won t offer as much protection for your beneficiaries today as it would have back then.

4 Policy Review Guide How a policy review works It s as simple as meeting with your financial professional and answering a few questions. To make an accurate assessment of your current coverage and needs, your financial professional will need some information. He or she will ask your permission to request an illustration of your current policy, if one is available. Your financial professional may also ask questions about: Your beneficiaries First and foremost, you have life insurance to provide a death benefit for your beneficiaries. This death benefit can be used to pay outstanding debts, cover final expenses, replace loss of income, or even to fund a college education. Your financial professional will make sure there haven t been any changes since you designated your beneficiaries. Your family Since you purchased your policy, have you had children, gotten married or divorced, or started caring for an elderly family member? Financial obligations Have you recently sold or bought a house, or refinanced your mortgage? Your financial obligations also play a role in determining how much insurance you need. Changes in your medical history If your health has changed dramatically for the better, or the worse it may affect your life insurance rates. Tell your financial professional about any recent changes. Your finances If you ve recently switched jobs, gotten a raise, started a business, or had any other change in your income, it may affect how much insurance you need.

5 Policy Review Guide Reviewing the information After your financial professional has gathered and analyzed your information, he or she will meet with you again to go over the findings, and perhaps to offer some recommendations. At this meeting, you ll find out: How long your policy will continue to stay in force, using its current interest rate. Keep in mind that the current interest rate may change. How long your policy will continue to stay in force, under your policy s minimum guarantee How much premium is required to make sure your death benefit lasts for the rest of your life Whether your life insurance appears to be adequate, given your current needs Your policy review may determine that your current policy meets your needs, and no further action will be required. Or, you and your financial professional may discover a gap in your coverage. If that s the case, your financial professional will talk to you about your options. Life moves pretty fast. Make sure your life insurance is keeping pace. A policy review can help confirm that your life insurance still meets your needs. A policy review will take only a few minutes, but it could make a big difference for you and your beneficiaries for years to come. Call your financial professional today and ask to schedule a policy review.

6 True to our promises so you can be true to yours. 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 2.2 million contracts issued, Allianz helps millions of 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 world s largest financial services companies. While we pride ourselves on our financial strength, we re 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. Guarantees are backed solely by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Product and feature availability may vary by state. Products are issued by: Allianz Life Insurance Company of North America PO Box Minneapolis, MN (R-3/2012)

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