Diversify Allocation Options to Help Smooth Volatility

An FIUL policy from Allianz Life Insurance Company of North America (Allianz) starts with a death benefit that is generally income-tax-free to beneficiaries. But it also provides your clients the opportunity to build accumulation value based on positive changes in external market indexes.

However, different index allocation options react differently depending on the economic environment. Diversification can help reduce risk, smooth out volatility, and potentially help clients avoid receiving a zero interest credit from their index allocations.

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