# Life insurance policy reviews

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1 Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Life insurance policy reviews Help your clients, build your business M-3962 Page 1 of 16

8 Policy Review Agent Guide What to look for in an illustration When you review your clients in-force illustrations, look for five key facts: 1. What is the policy s current death benefit? 2. How much premium is your client paying each year? 3. If your client continues paying only this amount and nothing else changes for how long will the policy remain in force? 4. At your client s current premium level, for how long will the policy remain in force if the cost of insurance goes up and interest rates decline? 5. What will the policy s net cash surrender value be at the end of the year? Let s look at some hypothetical examples to see these figures at work. Let s assume our hypothetical client, Carl, bought a fixed index universal life insurance policy when he was 45. His risk class was Standard Nontobacco, the death benefit was \$500,000, and his annual premium was \$7,015. His plan was to pay the annual premium for 15 years. Now, let s run three hypothetical in-force illustrations for Carl. All of our in-force illustrations will look at his surrender value at the end of policy year Page 8 of 16

9 Hypothetical examples Example 1 This hypothetical example is provided for illustrative purposes only and does not represent an actual Allianz Life Insurance Company of North America (Allianz) client. In this first example, we are assuming a cash value of \$51, at the end of the 10 th policy year when Carl is 55. If Carl stopped paying his planned premium of \$7,015 (which is also the policy s minimum premium) at age 60 (15 th policy year) and made no other changes to his policy assuming a minimum guaranteed interest rate of 2% and the maximum fees and charges his \$500,000 policy would lapse after age 67 or in the 22 nd policy year. Illustration assumes a cumulative 7.17% interest rate for policy years 1-10, and starting in the 11 th policy year the guaranteed values assume a 2% minimum guaranteed interest rate and maximum fees and charges. Hypothetical Life Insurance Company Hypothetical Fixed Index Universal Life Insurance Policy A Flexible Premium Adjustable Life Insurance Policy Basic Ledger Carl Client Male Age 55, Nontobacco Allocations: 100% Monthly S&P 500 Guaranteed Values + Annual Accumulation Net Cash Death Age Year Premium Value Value Benefit ,015 55,559 44, , ,015 58,827 48, , ,015 61,798 52, , ,015 64,421 56, , ,015 66,639 59, , ,145 55, , ,828 50, , ,542 44, , ,123 36, , ,397 28, , ,143 18, , ,193 5, ,000 7 Page 9 of 16

10 Policy Review Agent Guide Example 2 This hypothetical example is provided for illustrative purposes only and does not represent an actual Allianz client. Our second example uses the same assumption of a cash value of \$51, at the end of the 10 th policy year when Carl is 55. In this example, Carl now wants to see how much additional premium he would need to pay in order to maintain the same \$500,000 death benefit to age 120 with the same minimum guarantees. Assuming the most conservative interest rate of 2%, starting in the 12 th policy year he will need to pay an annual premium of \$17,470. This amount would need to be paid continuously through age 100 in order to meet his goals. Illustration assumes a cumulative 7.17% interest rate for policy years 1-10, and starting in the 11 th policy year the guaranteed values assume a 2% minimum guaranteed interest rate and maximum fees and charges. Hypothetical Life Insurance Company Hypothetical Fixed Index Universal Life Insurance Policy A Flexible Premium Adjustable Life Insurance Policy Basic Ledger Carl Client Male Age 55, Nontobacco Allocations: 100% Monthly S&P 500 Guaranteed Values + Annual Accumulation Net Cash Death Age Year Premium Value Value Benefit ,015 55,559 44, , ,470 68,527 58, , , , , , , , ,000 8 Page 10 of 16

11 Example 3 This hypothetical example is provided for illustrative purposes only and does not represent an actual Allianz client. The third example uses the same assumption of a cash value of \$51, at the end of the 10 th policy year when Carl is 55. In this example, Carl wants to know what he would need to do to the death benefit to keep his plans of paying \$7,015 for the fewest number of years. In this illustration, you can see that if he paid his planned premium of \$7,015 through age 63 or the end of the 18 th policy year, his death benefit will reduce to \$100,000 at age 100. But you will see that the policy remains in force through 120, at which age the death benefit is \$120,089. Illustration assumes a cumulative 7.17% interest rate for policy years 1-10, and starting in the 11 th policy year the guaranteed values assume a 2% minimum guaranteed interest rate and maximum fees and charges. Hypothetical Life Insurance Company Hypothetical Fixed Index Universal Life Insurance Policy A Flexible Premium Adjustable Life Insurance Policy Basic Ledger Carl Client Male Age 55, Nontobacco Allocations: 100% Monthly S&P 500 Guaranteed Values + Annual Accumulation Net Cash Death Age Year Premium Value Value Benefit ,015 58,714 47, , ,015 66,052 55, , ,015 73,403 64, , ,015 80,766 72, , ,015 88,128 81, , ,015 95,496 89, , , ,956 98, , , , , , , , , ,817 80, , , , ,089 In all three examples, Carl has choices: He can keep paying the same premium for 15 years and let his policy lapse. He can pay additional premium for 15 years and keep his policy in force. Or, he can pay premium for a longer period and keep his policy in force. Although policy reviews are not intended as a replacement strategy or sales pitch, in a few cases the illustrations may show that your clients current insurance no longer meets their needs. 9 Page 11 of 16

12 Beneficiaries Some beneficiary situations require special handling. Look for the following on your clients beneficiary review worksheets: Your client s estate is the beneficiary A trust is the life insurance policy owner/beneficiary A corporation, church, or charitable organization is the beneficiary One or more beneficiaries are no longer alive 10 Page 12 of 16

16 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) Page 16 of 16

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