Allianz Legacy by DesignSM

Protect and enhance your financial legacy.

 

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Make required minimum distributions (RMDs) work for your financial goals with Allianz Legacy by DesignSM.

When considering how to protect and enhance your legacy, it’s important to remember that your qualified (pre-tax) dollars must meet the minimum distribution requirements of the Internal Revenue Code when you turn 70½ – and every year after.

Legacy by Design combines two annuities to provide a systematic and efficient way to satisfy RMD obligations on your pre-tax money (e.g., an IRA), and enhance the financial legacy you can leave for your beneficiaries.

  • The Allianz Legacy PlannerSM Annuity is a fixed index annuity funded with your qualified assets — your RMDs are withdrawn from this contract.

  • The Allianz Legacy PlusSM Annuity is a fixed index annuity funded with RMDs moved from Legacy Planner to help you enhance your financial legacy. RMDs that you elect to move to Legacy Plus are immediately eligible for a Death Benefit Bonus of 25%.1

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Next steps:

Talk to your financial professional to see if Legacy by Design is appropriate for you. Here are some questions they can help answer:

  1. How are the annuity’s principal and any credited interest protected?
  2. How can this product provide income for life and assist with the rising cost of living?
  3. What backs up any guarantees available with this product?
  4. What else should I consider that might impact my retirement?
1 The Death Benefit Bonus is not available to the contract owner as a full or partial withdrawal. If the Legacy Plus contract is annuitized, the Death Benefit Bonus will not be included in the annuitization value, unless the contract owner reaches age 100. The Death Benefit Bonus will be decreased by any partial surrenders.

Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.

During the first 10 years, a surrender charge and MVA will apply if the contract is partially or fully surrendered. These charges may result in a loss of indexed interest and fixed interest, interest bonus, and a partial loss of principal (premium).

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

• 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. (C64281-MVA-Q, C64281-NQ)

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

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