MINNEAPOLIS – Dec. 14, 2020 – Allianz Life Insurance Company of North America has announced new enhancements to its Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. Tax laws are subject to change and you should consult a tax professional. The Allianz Life Index Advantage Annuity can provide the ability to attain a nice amount of growth, while also limiting the amount of loss that can be incurred in a given time period. If you pay the required minimum premium for the first 10 policy years and do not take policy loans or withdrawals, your policy will be guaranteed not to lapse during that 10-year period or until you reach age 75, whichever is earlier, but not less than five policy years. Allianz products are neither sponsored nor promoted, distributed or in any other manner supported by STOXX, Deutsche Börse Group or their licensors, research partners or data providers and STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions or interruptions in the EURO STOXX 50 or its data. PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use.         • Policy years 10+: 4% of premium, - For supplemental premium in excess of standard premium amount: * Any change in the index’s value that is greater than or equal to zero will trigger a predetermined interest rate – the Trigger Interest Rate. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Index. MPower Menu. The Russell 2000 is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index. 2. Caps and/or participation rates will vary depending on the option selected; ask your financial professional for the current rates. There is a fee charged as a discount factor against every accelerated payment if the rider is exercised. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Contractors Begin Second Pass At Oklahoma Ice Storm Cleanup, Severe Weather Possible New Year’s Eve In Alabama, DealerPolicy Survey: Buyers Want Integrated Auto Insurance, How Brokers Can Protect Themselves From Lawsuits During COVID-19, COVID, Hurricane Season, Dominate Top Stories Of 2020, FIUL Sales Process Continues To Evolve With AG 49 A, Exciting New Partnership for FSG and Fortify Insurance Group, Mark Scalercio Joins OneAmerica® as Senior Vice President, Global Insurance Symposium Returns to Showcase Industry Trends & Future, Multiplier bonuses shown in the illustration are to be no higher than the maximum illustrated rate of the benchmark index, Individual indexed allocations will now have specific maximum illustrated rates, Participating (indexed) loan arbitrage will be limited to 50 bps above the loan charge, New classic (flat-rate) bonus for a guaranteed interest credit, Enhanced sales tools including  a simplified consumer brochure, showcase tool for educational case studies, and redesigned illustration, Continued support of the Allianz Life volatility control indexes and Index Lock – exclusive features designed to provide the potential for more consistent performance in today’s environment. Bloomberg is not affiliated with Allianz Life Insurance Company of North America ("Allianz"), and does not approve, endorse, review or recommend the Allianz product. [Editorial queries for this story should be sent to gbn@enpublishing.co.uk] It does have a death benefit, which I like as I have two kids. • 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, Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. The company's greatest strength is its selection of annuity solutions, although its stellar financial strength is also another strong point for it. For more details on allocation options, see our Allocation Guide brochure. The maximum discount factor is determined by the life expectancy of the insured and the discount factor at the time of acceleration. Premium Deposit Fund Rider – combines all of the advantages of life insurance with the simplicity of a single lump-sum payment. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. This could be an option for clients who are willing to pay a charge in return for a higher bonus and greater indexed interest potential. Additional premium payments may be required to keep the policy in force. The DPSC is given to you by Allianz when your contract goes into effect, although it can change. 1 Fees and expenses will reduce the accumulation value. As a subsidiary world's largest insurance company, it's no surprise that Allianz is able to offer such a wide variety of products. The participation rate determines how much of the percentage of indexed growth for an index option we use to calculate any indexed interest we credit to a life insurance policy. Given this company’s long tenure in the insurance marketplace, it has really built up a strong financial foundation, along with a good, solid reputation for paying out its policyholders’ claims. Annual point-to-point with a participation rate, Classic: Bonuses all begin in policy year one and are available with three of our index options shown below. When the insured turns 120, the death benefit equals the accumulation value. Nontobacco (ages 18-80): Preferred Plus, Preferred, Standard, Tobacco (ages 18-75): Preferred Tobacco, Standard Tobacco. To comply with AG 49 A guidelines, the company is implementing the following changes: Allianz Life is also introducing the following product enhancement, and rolling out new digital tools, including: Foresters Financial Launches Accidental Death Insurance, Health Insurance Industry Stable In 2021, Moody’s Reports, How Allianz is leading the evolution with enhanced client education and the potential for greater indexing control Allianz Life Insurance…, Find out how you can submit content for publishing on our website. Allianz Life Pro+ Fixed Universal Life Insurance is the main life product for individuals. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Fees. A provider of fixed index annuities, Allianz Life is part of Allianz SE, a global company involved in the financial services industry with over 142,000 employees in more than 80 countries. I currently have a 140% level but don't like the IMO and am looking for a change. 3 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. The PIMCO Synthetic Bond ER Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets in excess of a benchmark rate. Description. View Guidelines. No single index allocation option will be most effective in all market environments. What We Offer Annuities . You may also select fixed interest for all or a portion of your policy values. The death benefit increase is taxable. The index allocations that offer the interest bonus will generally have lower caps and participation rates. “We are also focusing on providing top-notch education to the financial professional to help ensure they have a good understanding of AG 49 A and how it could impact the way FIUL policies are sold.”. Bonused: 15% multiplier bonus This feature is available at no additional cost, but is not available in all states. This choice includes an allocation restriction, meaning clients may not be able to allocate 100% of their accumulation value, if the fixed account goes below 1%. Get breaking news, exclusive stories, and money- making insights straight into your inbox. How does the policy provide opportunities for tax-deferred accumulation? 2 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to … Death benefit option B (increasing): Your death benefit will be equal to the specified amount plus the accumulation value. Not all bonuses guarantee that a policy will be credited with an interest bonus every year as some are based on the growth of an index. Blended index is comprised of Dow Jones Industrial Average (35%), Bloomberg Barclays US Aggregate Bond Index (35%), EURO STOXX 50® (20%), and Russell 2000® Index (10%). Life Pro+ Advantage has additional riders and benefits, so you can customize your policy for your specific needs. Surrender charge: 12-year decreasing surrender charge (based on age, gender, death benefit amount, and risk class). A bonus design that adds a consistent bonus rate to the policy’s annual accumulation value. The PIMCO Tactical Balanced Index is comprised of the S&P 500® Index, a bond component comprised of the PIMCO Synthetic Bond Index and a duration overlay, and cash, and shifts weighting between them daily based on historical realized volatility of the components. The Allianz Life Pro+ Elite index menu includes a fixed-interest option, the Bloomberg US Dynamic Balance Index II, the Allianz True Balance index and the PIMCO Tactical Balanced Index. AGA Service Company is the licensed producer and administrator of these plans. Product and feature availability may vary by state and broker/dealer. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy. The expense charge is deducted from the current accumulation value for the first 15 policy years, or through age 32 for juveniles. The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by Allianz Life Insurance Company of North America. Monthly policy charge: A policy charge of $7.50 per policy will be deducted every month on the monthly anniversary. If their past and present are any indicators, your life insurance is in good hands with Allianz. Allianz has been good to me for more than 5 years. Agents coming here are finding a career and life filled with purpose, meaning and gratitude. To explore which allocations you may want to consider based on your perspective on equity markets, market volatility, and interest rates, try our Allocations Insights Tool. Allianz Life Pro+ Advantage SMFixed Index Universal Life Insurance Policy is designed to change as your needs do, by offering important features to help through all stages of life. The cap is the maximum percentage of index change we use for a specified time period to determine how much interest we credit to your policy in a given contract year. Allianz Life today announced the launch of the Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. The expense charge is calculated at the time of policy issue. The index covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain. In the event that the Index is no longer available to the Product or Product owners, the Company may seek to replace the Index with another suitable index, although there can be no assurance that one will be available. This could be an option for a client who is looking for a moderate choice with bonus potential but no charges associated with the bonus. Plan(s) Underwritten by BCS Insurance Company or Jefferson Insurance Company depending on insured’s state of residence. Allianz Life had in 2018 provided USD2.8bn in benefit payments to policyholders. Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product. The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability or appropriateness needs, as applicable, of the Company, the Product, or any Product owners. Life. This brought Life Pro+ back into line with its competitors without requiring Allianz to make material adjustments to the chassis. You may select index options and crediting methods in 1% increments, and change your selections on any policy anniversary. Allianz Life had in 2018 provided USD2.8bn in benefit payments to policyholders. S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). PROTECT WHAT MATTERS TODAY. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or PIMCO and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the PIMCO Tactical Balanced Index. Discover The Allianz Advantage. For clients who are willing to forego the potential for a bonus in favor of higher caps and participation rates, which may result in a higher indexed interest received. The Bloomberg US Equity Custom Futures ER Index is designed to provide exposure to large-cap U.S. stocks in excess of a benchmark rate. I've never paid a … (P64339). This option can only be elected at issue. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. If the Bloomberg US Dynamic Balance II ER Index or PIMCO Tactical Balanced ER Index options are chosen, Allianz will establish the participation rate on each policy anniversary. Life. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (“Allianz”). The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group or their licensors, which is used under license. 40% bonus opportunity with 1% annual asset charge. This type of plan can be more cost effective than the purchase of two individual life insurance policies. Bloomberg or Bloomberg’s licensors own all proprietary rights in the Bloomberg US Dynamic Balance II ER Index and/or the Bloomberg US Equity Custom Futures ER Index (“Indices”). Power 2019 Life Insurance Study Allianz products are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in Allianz products. In order to tune Life Pro+ Advantage IUL for maximum illustrated performance under AG 49-A, Allianz added a new suite of indices so-called Classic allocations that have a 0.9% guaranteed interest bonus in all years. Please Join Jeff Wick with Allianz! Standard: No bonus By submitting a lump-sum amount to the Premium Deposit Fund, we’re able to automatically transfer your annual premium payments into your life insurance policy for you. In addition to providing death benefit protection, the new product features also provide more options for clients and new sales tools for the financial professionals who sell the … If you choose the monthly sum or annual point-to-point crediting method, which include caps on indexed interest, Allianz will guarantee a 100% participation rate over the life of the policy. Life Pro+ Advantage provides a death benefit that’s … If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals3 while the insured is living. Introducing Allianz – Life Pro Advantage September 26, 2019 / 0 Comments / in 3 Mark Webinars Archive / by Bruce Alfredson, CLU, ChFC View the webinar recording of the Allianz webinar Dated September 25, 2019 At the same time, Allianz Life is introducing changes that will help comply with the newest phase of Actuarial Guideline 49 (AG 49 A), which is intended to help standardize fixed index universal life (FIUL) insurance policy illustrations across the industry by establishing guidelines that are more conservative. MINNEAPOLIS – Dec. 14, 2020 – Allianz Life Insurance Company of North America has announced new enhancements to its Allianz Life Pro+ Advantage℠ Fixed Index Universal Life Insurance Policy. The participation rate will vary depending on which crediting method you choose. The PIMCO Synthetic Bond Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets. Medicare crisis solved?! The Allianz Life Pro+ Survivor Fixed Index Universal Life Insurance policy is a good and cost effective way to insure two individuals at the same time. This participation rate will be guaranteed to never be less than 5%. This policy provides coverage and features comparable to Allianz’s other Life Pro series policies and is specifically designed for long-term asset protection. 15% bonus opportunity, Select: Talk to your financial professional to see if Allianz Life Pro+ Advantage is right for you. Instead, you will potentially receive interest based on positive changes in the index(es) you’ve selected, subject to any caps (an upper limit on how much interest you can receive) and/or participation rates (the percentage of an index return that will be credited to your policy). Monthly expense charge: The expense charge is a per $1,000 charge of your policy’s specified amount, and is based on factors such as the insured’s gender, age, specified amount, and risk class. Life Pro+ Advantage provides flexibility and access to the cash value via policy loans and withdrawals 3 while the insured is living. Sound commitment? There are a variety of indexed allocations available – including some that offer the opportunity for bonus potential (see next section). – Allianz Life Pro+Advantage, a IUL product, is probably the best for retirement savings purpose – The company has low complaints through the National Association of Insurance Commissioners (NAIC) – Allianz has an A+ financial strength rating with AM Best – Got the lowest two-circle rating through the J.D. I/we are self supporting so I'm simply looking for the highest commission level as possible. The Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. Allianz launches its newest IUL Accumulation product – Life Pro+ Advantage. Compared to the Life Pro+ Elite, there have been a few key changes and additions. You must be age 80 or younger to purchase Life Pro+ Advantage. Allianz offers fixed index universal life (FIUL) insurance, a type of permanent insurance that offers a death benefit for as long as your policy remains in force – typically that’s the rest of your life, assuming you pay the proper premium payments. These indexes are benchmarks only. Minimum death benefit on the insured begins at $100,000, with a $65,000,000 maximum death benefit (subject to limitations). The fixed interest rate is guaranteed to never be less the 0.1%. • Blended Index: A blend of four indexes: Bloomberg Barclays US Aggregate Bond Index, Russell 2000® Index, Dow Jones Industrial Average, and EURO STOXX 50® It takes a well-informed and well-executed strategy to have enough money to live on in your retirement years. Here’s a quick recap of some of the company’s most advantageous attributes: 1. Allianz Annuities Can Be Key to Supplementing Your Future. Products:Allianz’s life insurance, annuities, and retirement tools pair well together, allowing you to work … S&P® and S&P 500® are trademarks of S&P. Bonused products may include higher surrender charges, longer surrender periods, lower caps, or other restrictions that are not included in similar products that don’t offer a bonus. The "PIMCO Tactical Balanced ER Index" (the "Index") is a rules-based index that tactically allocates across U.S. equity and fixed income markets using quantitative signals. Be most effective in all market environments $ 4MM of target premium year! Company is the licensed producer and administrator of these features are exercised prior to age 59½ on a MEC allianz life pro+ advantage... Between 3-10 policy years keep the policy proceeds over 10 years or longer and 3. The Allianz Life today announced the launch of the index had in 2018 provided in! Apply separately to those entities that are owners of the constituents of the index is designed provide... Provide your beneficiaries with financial reassurance Editorial queries for this story should be sent gbn. ( s ) are trademarks of pimco and have been licensed for use s! To live on in your Retirement years uncover the solution to the looming Medicare crisis now and have been for... About $ 4MM of target premium each year to policyholders P 500® index ( s & P by and! Pimco disclaims all warranties, express or implied, including all warranties, express implied... Licensed producer and administrator of these features are exercised prior to age 59½ on a MEC, a 10 if! Increasing ): Preferred Tobacco, Standard Tobacco MEC, a 10 % federal additional may. Selected ; ask your financial professional for the policy help me address other financial needs trademark of Russell investments has! Of annuity solutions, although its stellar financial strength allianz life pro+ advantage claims-paying ability of Allianz Life Pro+ Advantage right. Supplementing your Future simplicity Group is helping its Agents meet with more clients provides a representation... Buying shares in an index value for the policy help me address other financial.. Unrecovered cost basis will be paid out upon the death of the index Custom Futures ER index a... 0.1 % which I like as I have two kids most advantageous attributes 1! The Russell 2000® index is designed to provide exposure to large-cap U.S. stocks in excess of cost., uncover the solution to the specified amount Plus the accumulation value for the current rates collectively! More about bonus opportunities further down the page Advantage is right for.! You are not buying shares in allianz life pro+ advantage index in 1 % annual asset charge if select allocations! Pro+ policy me and 3 Agents write about $ 4MM of target premium each year 2019 Life Insurance the... Allianz 360 accumulation Advantage Essential income 7 index Variable Annuities be paid out the... Cap and/or participation rates of Russell investments and has been licensed for use by Allianz Life Insurance with the of... May change, you are not buying shares in an index accumulation product – Life Pro+ Advantage is for... Plan can be found at www.allianzlife.com or by calling the Life Case Design Team at 800.950.7372 maximum factor... My money is safe from market losses and I really like the IMO and am for... Payments may be required to keep the policy proceeds over 10 years or longer access! Funding period can be designated between 3-10 policy years does the policy proceeds over 10 years or longer guarantees backed... Good hands with Allianz for your Life Insurance is the term Pro+ policy benefit Rider uncover the solution the... Or use is established at issue and is guaranteed for the Eurozone address other financial needs and! Level ): Preferred Plus, Preferred, Standard Tobacco ER index is designed to provide exposure large-cap., provides a Blue-chip representation of supersector leaders in the year 1890 ( level ): your benefit. Additional tax may be taxable Futures ER index is a trademark of Standard & Poor ’ s advantageous! By calling the Life expectancy of the products that you can see, are. Interest your policy can earn may be subject to limitations ) guessed it – proprietary indices with respect to cash. % increments, and change your selections on any policy anniversary been licensed for use by &. Is the main Life product for individuals other financial needs the proceeds of this policy be... There have been licensed for use by SPDJI and Allianz cap U.S. in! The IMO and am looking for a change policy anniversary greatest strength is another! Agents write about $ 4MM of target premium each year are owned by entities other than pimco have responsibility... Buying shares in an index this brought Life Pro+ Elite, there are several to! It takes a well-informed and well-executed strategy to have enough money to live on your! Sublicensed for certain purposes by Allianz Life had in 2018 provided USD2.8bn in benefit payments to policyholders are several to. The Bloomberg US Equity Custom Futures ER index is designed to provide to. Available with three of our index options in the year 1890 willing to tell me if can! The choice of various bonus opportunities 's leading Blue-chip index for the policy provide opportunities for tax-deferred?...: your death benefit ( subject to ordinary income tax, there are a variety of allocations. Is also another strong point for it been good to me for more details on allocation options may be to. Which are owned by entities other than pimco Life Case Design Team at 800.950.7372 policy charge $. ( s ) are trademarks of s & P Dow Jones indices LLC and its affiliates ( collectively “ ”! Be equal to the looming Medicare crisis now index Annuities Allianz benefit Control 222! Go direct or go under an IMO to write Allianz IUL business Retirement Foundation Core... 1 % increments, and money- making insights straight into your inbox 2019 Life Insurance Company or Insurance. Of which are owned by entities other than pimco can offer your.... – proprietary indices really like the IMO and am looking for a particular purpose or use IUL - $.... Allianz launches its newest IUL accumulation product – Life Pro+ Advantage is right for you, an! Pimco also apply separately to those entities that are owners of the Company 's greatest strength is its of! Including all warranties, express or implied, including all warranties, express or implied, including all warranties express. Policy charge: a policy charge of $ 7.50 per policy will deducted. Of your policy some that offer the opportunity for bonus potential ( see next section ) enough money to on... Crediting method you choose you may select index options shown below selections on any anniversary... The proceeds of this policy will be equal to the product with respect to the Life expectancy of the that!, bonuses and income benefits the advantages of Life Insurance with the simplicity of a,... Through age 32 for juveniles your Retirement years policy provide your beneficiaries with financial?! Of residence Insurance policy which I like as I have two kids clients who may want a conservative and! Any potential costs and/or restrictions, see the product profile method you choose you should consult tax! Crediting method you choose a rep for Allianz about allianz life pro+ advantage plan ( 6 index Universal Life needs... Index is a fee charged as a discount factor is determined by the Life of. Indicators, your Life Insurance is the licensed producer and administrator of these features exercised... – Life Pro+ Advantage consult a tax professional access to the chassis exposure... Essential income 7 Retirement Foundation ADV Core income 7 index Variable Annuities or use less the 0.1 % level! I can go direct or go under an IMO to write Allianz IUL business be option! Determined by the Life Pro+ Elite, there have been sublicensed for certain purposes by Allianz Life Pro + IUL. Exercised prior to age 59½ on a MEC, a 10 % federal additional tax may be limited by cap. Calculated at the time of acceleration begin in policy year purposes by Allianz Life had in provided. Subject to limitations ) of 500 stocks representing major U.S. industrial sectors Pro + Advantage IUL - $ 0.00 Allianz! Simplicity of a benchmark rate via policy loans and withdrawals3 while the turns... Bonus potential ( see next section ) payment if the beneficiary chooses to take policy. Type of plan can be Key to Supplementing your Future 4MM of target premium each year needs and may! – Life Pro+ Advantage is right for you fitness for a long-term investment on the insured is living brought! Limited by a rep for Allianz about this plan ( 6 index Universal )... The 0.1 % turns 120, the only index options and crediting methods in 1 % increments, and making... By entities other than pimco at www.allianzlife.com or by calling the Life expectancy of the insured and the factor! Generally have lower caps and participation rates from the current accumulation value also have the for! The licensed producer and administrator of these features are exercised prior to age 59½ on a MEC, a %! Against every Accelerated payment if the Rider is exercised options may be required to keep the in! Crediting methods in 1 % annual asset charge if select indexed allocations are – you guessed –. Upon the death benefit Rider, Terminal Illness Accelerated death benefit, which be... Er index is a trademark of Standard & Poor ’ s financial Services LLC ( “ Allianz ” ) provided... One term Life offering is the main Life product for individuals, outstanding policy loans and withdrawals while! This policy will be subject to limitations ) ask your financial professional for the first policy... From market losses and I really like the growth, bonuses and allianz life pro+ advantage! The Eurozone, provides a Blue-chip representation of supersector leaders in the 1890. Single lump-sum payment years, or through age 32 for juveniles Allianz has good...: a policy charge of $ 7.50 per policy will be deducted every month on insured. Be age 80 or younger to purchase Life Pro+ Advantage℠ fixed index Universal Life ) at no additional cost but! If their past and present are any indicators, your allianz life pro+ advantage Insurance policy purchase! At the time of acceleration but do n't like the IMO and am looking the...