Simply put, an annuity is a contract between you and an insurance company: You pay the insurance company premium or purchase payments, and in exchange you get benefits only an annuity can provide.


Annuity questions?

Allianz Answers.

Why consider an annuity?

Annuities can be a valuable addition to your overall retirement strategy because they offer tax-deferred growth potential while you’re saving for retirement, and dependable income after you retire – in some cases, for as long as you live.

Many annuities provide principal protection from market downturns, lifetime income, an enhanced death benefit, and other options, either built-in or optional and available for an additional cost. Plus, annuities can help you transfer wealth to your beneficiaries.

Learn the ABCs of annuities:

Which annuity may meet your needs?

Because no two people have the same needs or goals, Allianz offers several types of annuities. Ask your financial professional which annuity may make sense for your individual situation.


Fixed index annuities

offer a level of protection and potential interest based on positive changes in an external index, but without actually participating in the market.


Variable annuities

give you the possibility of greater potential returns based on the variable investment options you choose, but they will experience market ups and downs – so you could lose money, including principal.


Index variable annuities

allow you to participate in market gains – with a level of protection against market downturns.

Annuities are complex products that include many features and factors. It is important to understand the balance between all features available with any annuity. You should consult with a financial professional to determine if an annuity is appropriate for your needs.

Need help finding a financial professional?

The company behind the annuity matters. Why Allianz?

The guarantees provided by an annuity are backed solely by the insurance company that issues the annuity. Since 1896, we've had the strength and stability to fulfill our promises. Through bull markets and bear markets, we've stayed true to our careful planning, disciplined investing, and risk management experience. That's why we're well positioned for what's ahead.

Why Allianz

Check the background of Allianz Life Financial Services, LLC on FINRA's BrokerCheck.

Withdrawals will reduce the contract value and the value of any protection benefits. Withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

• 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 and variable products are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

Product and feature availability may vary by state and broker/dealer.

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