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Allianz Life Insurance Company of North America

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Is your life insurance keeping up with your life?

Registered Representative of and Securities offered through QA3 Financial, Member FINRA/SIPC. Investment Advisor Representative of and Advisory Services offered through The Retirement Group, LLC. The Retirement Group, LLC and QA3 Financial are not affiliated companies.

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First things first.

Is your life insurance keeping up with your life?

How a policy review works.

Reviewing the information.

You have options.

Life moves pretty fast. Make sure your insurance is keeping pace.

Agenda

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First things first.

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First things first.

Why have life insurance?

Before we look at your options, first let’s quickly review why you need life insurance.

• Life insurance provides a death benefit.

• Some policies provide you an accumulation value.

• Consider the potential tax advantages.

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Is your life insurancekeeping up with your life?

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With all the demands on your time,you probably don’t give your life insurance much thought. Are yousure it still meets your needs?

Maybe it’s time for alife insurance policy review.

Is your life insurancekeeping up with your life?

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Is your life insurancekeeping up with your life?

If you haven’t taken a careful look at your life insurance lately, you could be:

• Leaving an inadequate death benefit to 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 you find – and fix –any pitfalls, before they become a problem.

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How a policy review works.

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How a policy review works.

It’s as simple as meeting with your financial professional and answering a few questions.

Your financial professional may ask about:

• Your beneficiaries

• Your family

• Your finances

• Financial obligations

• Changes in your medical history

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Reviewing the information.

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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,

even under the worst possible circumstances.

• How much premium is required to make sure yourdeath benefit lasts for the rest of your life.

• Whether your life insurance appears to be adequate,given your needs.

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You have options.

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You have options.

Depending on your current coverage and projected needs, your financial professional may identify a need for additional (or different) life insurance.

Here are some of the most common types:

• Term insurance

• Whole life

• Universal life

• Fixed index universal life

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You have options.

Term insurance

Benefits of term insurance:

• Level premiums and death benefit for a specific time

• Optional riders1 (ROP, child, spouse, etc.)

• Comparatively lower cost/premium

1Riders may be available at an additional cost and subject to state approval.

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You have options.

Whole life

Benefits of whole life:

• Level premiums and death benefit

• Permanent coverage

• Potential for cash value accumulation and access1

1Please note that loans and withdrawals may be subject to regular income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. 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 un-recovered cost basis will be subject to ordinary income tax.

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You have options.

Universal life

Benefits of universal life:

• Flexible premiums and death benefits

• Permanent coverage

• Opportunity for cash value growth and access1

1Please note that loans and withdrawals may be subject to regular income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. 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 un-recovered cost basis will be subject to ordinary income tax.

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You have options.

Fixed index universal life

Benefits of fixed index universal life:

• Indexed interest, for potential accumulation

• Access to your policy’s cash value1

• Optional riders for customizable coverage

1Please note that loans and withdrawals may be subject to regular income tax, and if taken prior to age 59½, a 10% federal tax penalty may apply. 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 un-recovered cost basis will be subject to ordinary income tax.

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Life moves pretty fast. Make sure your insurance is keeping pace.

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A policy review can help you find – and fix – any gaps in coverage, before they become a problem.

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.

Neither Allianz Life Insurance Company of North America nor any of its representatives or affiliates provide tax or legal advice. You are encouraged to consult with your tax advisor or attorney.

Issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.7372 www.allianzlife.com.

Product availability and features may vary by state.

Life moves pretty fast. Make sure your insurance is keeping pace.

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Allianz. Financial solutions from A to Z.

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1 “Forbes Global 2000,” Forbes, April 21, 2008. Forbes’ ranking is based on a composite of sales, profits, assets, and market value.

2 “The P&I/Watson Wyatt 500: World’s Largest Managers,” Pensions & Investments, October 1, 2007 (www.pionline.com).

80 million customers worldwide in 70 countries 14th largest company1 2nd largest company in the insurance industry1

5th largest money manager2

Allianz. Financial Solutions from A to Z.

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Provider of annuities, life insurance, and long termcare insurance

-1.2 million customers

-A.M. Best: A (Excellent)

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

The A.M. Best rating of A (Excellent) is the 3rd highest out of 16 possible ratings, and is effective as of October 4, 2007.

These independent agency ratings are based on an analysis of financial results and evaluation of management objectives and strategies. The ratings do not indicate approval by the analysts and are subject to change.

Allianz. Financial Solutions from A to Z.

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Allianz Global Investors

− PIMCO− Nicholas-Applegate Capital

Management− Oppenheimer Capital

Fireman’s Fund

Allianz. Financial Solutions from A to Z.

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Get the reassurance of knowing you’re covered. Ask your financial professional for a policy review.

Thank you!

M-3982Registered Representative of and Securities offered through QA3 Financial, Member FINRA/SIPC. Investment Advisor Representative of and Advisory Services offered through The Retirement Group, LLC. The Retirement Group, LLC and QA3 Financial are not affiliated companies.