Allianz Life Insurance Company of North America is introducing GenDex Foundation(SM), a flexible premium fixed index universal life insurance policy. In addition to providing a death benefit, it offers the consumer affordable premiums, guarantees, and a variety of other options that enable consumers to create a policy customized to fit their specific needs.

While the desire for insurance is high, many people are stymied by all the offerings in the marketplace. In a 2007 study conducted by LIMRA(1), a life insurance market research organization, 50% of adults don't know how much coverage to buy, and 39% worry about making the wrong decision when purchasing life insurance. As a result, the insurance industry is evolving to meet customer needs.

"GenDex Foundation offers lower-cost, guaranteed premium life insurance coverage that can be a good alternative to a traditional life insurance policy, which may be less flexible," said Scott Fryklund, vice president of life insurance at Allianz. "As demographics have shifted, so has consumer demand. As a result, the insurance industry is undergoing many changes. GenDex Foundation was created to meet consumer demands."

In addition to providing beneficiaries with a death benefit, the GenDex Foundation offers life insurance solutions for consumers in various life stages, such as:

* Affordable and flexible premiums
* Fixed and indexed interest options
* A positive, adjustable annual floor in the event the index is flat or negative
* Long Term Care Accelerated Benefit Rider, which provides policyholders death benefit acceleration or continuation to help pay for long term care expenses, along with other optional riders (all available at an additional cost)

Universal Life (UL) provides coverage for your entire lifetime, and the flexibility to pay premiums at any time and in any amount (subject to some limits), as long as policy expenses and cost of coverage are met. UL policies also have the potential for tax-deferred cash value accumulation that may be accessed under certain circumstances.(2) With the GenDex Foundation, the cash value can accumulate at a declared interest rate or by potential indexed interest. Indexed interest is credited based on changes in an external index or indexes, which policyholders choose when they purchase the policy.

(1)"American Families at Risk," Facts about Life 2007, LIMRA International, September 2007.

(2)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.

Policy PS52453-01 is issued by Allianz Life Insurance Company of North America.

Guarantees are backed by the financial strength and claims paying ability of Allianz Life Insurance Company of North America.

About Allianz Life Insurance Company of North America

Founded in 1896 and based in Minneapolis, Allianz provides fixed and variable annuities, life insurance policies, and long term care insurance products in the United States. Allianz products are offered through a nationwide network of independent distribution. The company is part of Allianz SE, a global financial services group that is the 14th largest company in the world based on sales, profits, assets, and market value. Allianz SE employs more than 155,000 people worldwide.

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