Allianz’s Risk-Class Upgrade Underwriting Program is back, offering automatic, upfront upgrades for qualifying clients on Allianz Life Accumulator IUL policies.

• No additional paperwork – upgrades applied automatically

• Available for premium finance and foreign nationals

• Unlimited case submissions while the program is active

Eligible upgrades include:

• Standard Nontobacco ➔ Preferred Plus Nontobacco

• Preferred Nontobacco ➔ Preferred Plus Nontobacco

• Standard Tobacco ➔ Preferred Tobacco

Note: Rated, flat extra, juvenile, and preferred tobacco cases are not eligible.

Why It Matters:

• Lower premiums or higher face amounts for clients

• Easy conversation starter for pipeline re-engagement

• Ideal for premium finance, business planning, and family protection sales

Case Example*:

👤 Female, Age 55, Standard Nontobacco
Applied for $1M Allianz Life Accumulator IUL coverage.
Under the program, client receives Preferred Plus Nontobacco automatically, reducing annual premium while maintaining the same death benefit.

* This example is hypothetical and for illustrative purposes only.

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