Whether your clients are seeking accumulation potential, guaranteed income, or a combination of both, our suite of fixed index annuities (FIAs) has them covered.
[Narrator] There was a time when a diversified retirement portfolio meant having a good balance between stocks and bonds, but times have changed.
Today, your clients need a strategy that can weather market volatility, help address inflation, and provide income for a long retirement that could last 30 years or more.
And today, your clients have more choices than ever too.
That's why they might consider a fixed index annuity, or FIA, from Allianz.
[On-screen disclosure] Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. [End of on-screen disclosure]
All FIAs offer valuable benefits for your client's retirement strategy, such as protection of principal and credited interest against market losses, the opportunity for tax-deferred growth, and a death benefit for beneficiaries.
[On-screen disclosure] All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax. [End of on-screen disclosure]
But Allianz gives your clients even more. We start with a portfolio of FIAs to meet a variety of goals from accumulation to guaranteed income to a combination of both.
Beyond that, we give you and your clients innovative features to even further address their unique needs.
Consider Index Lock, which clients can use once per crediting period.
[On-screen disclosure] Index Lock is available on select allocation options.[End of on-screen disclosure]
It lets them lock in and keep an index value until the end of that crediting period, no matter what happens in the market after they've set the lock.
[On-screen disclosure] Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised. Because the Index Lock occurs at the end of the business day, the actual value received may be higher or lower than at the time of request and may be higher than upper targets set or lower than lower targets set. Allianz will not provide advice or notification regarding whether to exercise an Index Lock or the optimal time for doing so. Note: An Index Lock can only be activated on index returns that are greater than 0% unless indicated otherwise. [End of on-screen disclosure]
They can even use Auto Lock to set a target and lock the index value automatically.
[On-screen disclosure] See CSI-504 for full details and business rules. [End of on-screen disclosure]
Or consider our crediting methods. In addition to several traditional options, we also offer the multi-year point-to-point crediting method, or simply MY Point-to-Point.
[On-screen disclosure] MY point-to-point is available with select Allianz® FIAs and is just one of several crediting methods available. No single crediting method is best in all situations. Also, keep in mind that your clients can choose a combination of crediting methods. [End of on-screen disclosure]
When combined with Index Lock, it's designed to offer the higher participation rates you may associate with longer-term crediting, but without the long wait.
[On-screen disclosure] Multi-year participation rates are generally higher than comparable one-year rates. Actual rates may vary by product and are declared monthly. Once your client chooses MY point-to-point and begins a new crediting period, the rates are guaranteed for the remainder of that crediting period. [End of on-screen disclosure]
Finally, several of our FIAs offer increasing income potential.
[On-screen disclosure] On select products, increasing income potential may be available through specific income options or additional-cost riders. [End of on-screen disclosure]
This could help your clients address some of the effects of inflation over a long retirement.
[On-screen disclosure] 60,246 Allianz® fixed index annuity contracts were used for the analysis, and represent contracts which elected an increasing income withdrawal option from 1/1/08 through 12/31/23, and would have been eligible to receive interest credits from 1/1/09 through 12/31/24. Increases displayed were taken from multiple products and income benefits/riders that were available at that time. The amount of the increase was determined by the interest credited by their chosen allocation option(s). These allocations include a wide variety of indexes and crediting methods. This data includes all allocation methods selected during that time, including the fixed allocation. Individual contracts may have seen varying amounts of income increases. Contracts that took excess withdrawals were excluded from this because they were not eligible for increases in all years. Past income payment increases and interest credits are not a guarantee of future results. [End of on-screen disclosure]
What's more, the majority of our clients who chose the increasing income option have received an increase. Those are just some of our innovative features. But why else should your clients consider Allianz?
[On-screen disclosure] Wink’s Sales & Market Report Sales Data Query, 1Q 2000 – 4Q 2024 [End of on-screen disclosure]
[On-screen disclosure] For current Allianz® financial ratings, visit https://www.allianzlife.com/about/financial-ratings [End of on-screen disclosure]
Because we are an industry leader in FIAs, and maybe most importantly, because our market leadership is backed by our enviable financial strength. So you can rely on us to give your clients value today and confidence in our stability for years to come.
See how Allianz, an industry leader in FIAs, can help your clients weather market volatility, address inflation, and provide guaranteed income for a long retirement.
Call the FASTeam at 800.950.7372 to learn more.
[On-screen disclosures]
Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. www.allianzlife.com
Guarantees are backed solely by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.
Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised.
All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.
For financial professional use only – not for use with the public.
Product and feature availability may vary by state and broker/dealer.
This content does not apply in the state of New York.
M-7976 (8/2026)
[End of on-screen disclosures]
Allianz Accumulation Advantage 5™ Annuity
Allianz Accumulation Advantage 7® Annuity
Allianz Accumulation Advantage® Annuity
Allianz Accumulation Advantage Classic™ Annuity
Allianz Accumulation Advantage+® Annuity
Allianz Benefit Control+® Annuity
Income now or later (0-10+ years)3
Allianz 222+® Annuity
Income later (10+ years)6
Allianz 360™ Annuity and the 360 Benefit rider8
Income now or later (0-10+ years)Our products offer the innovative differentiators you’ve come to expect, like our exclusive MY (multi-year) point-to-point crediting method with a participation rate. When combined with Index Lock, it’s designed to offer the higher participation rates associated with longer-term crediting, but without the long wait.10, 11
View our FIAs side by side.
Call 800.950.7372 for case consultation, illustrations, sales ideas, and more.
1 Rates are subject to change each month. After the second contract year, renewal rates will be declared on the contract anniversary and guaranteed for the following contract year. While we manage renewal rates based off of the base rate, they may vary from year to year.
2 The bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11th contract year, when 100% will be vested. If clients withdraw their contract before the 11th contract year, they will lose the unvested bonus. During the first 10 contract years, Allianz will apply a withdrawal charge, market value adjustment, and unvested bonus reduction if the client partially or fully withdraws the contract. The same would apply if the client begins annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year. These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (premium). Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower rates, or other restrictions that are not included in similar annuities that do not offer a bonus feature.
3 Clients can start taking lifetime withdrawals immediately or on any monthly anniversary so long as the covered person is at least 50 years old on the most recent contract anniversary and the client has not taken an excess partial withdrawal or added premium during the contract year.
4 The premium bonus and interest bonus are credited only to the Protected Income Value (PIV). To receive the PIV, including the value of these bonuses, lifetime withdrawals must be taken. The PIV is not available as a lump sum. Clients will not receive these bonuses if the contract is fully withdrawn or if traditional annuity payments are taken. If the client takes any type of withdrawal the PIV will be reduced proportionally.
5 With the Accelerated PIV Interest Bonus Option, clients receive a 250% PIV interest bonus and a 50% accumulation value interest factor. Clients can also choose the Balanced PIV Interest Bonus Option to receive a 150% PIV interest bonus with a 100% accumulation value interest factor.
6 Clients can start taking lifetime withdrawals on or after the 10th contract anniversary so long as the covered person is 60 years old or older on the most recent contract anniversary.
7 The premium bonus and interest bonus are credited only to the PIV. To receive the PIV, including the value of these bonuses, the contract must be held for at least 10 contract years and then lifetime withdrawals must be taken between the ages of 60 and 100. The PIV is not available as a lump sum. Clients will not receive these bonuses if the contract is fully withdrawn or if traditional annuity payments are taken. If the client takes any type of withdrawal the PIV will be reduced proportionally.
8The annual charge for the 360 Benefit rider is 0.95% of the contract's accumulation value. You can cancel the 360 Benefit rider any time after the fifth contract year. Once you terminate the 360 Benefit rider, it may not be reinstated.
9 Beginning at age 40, your clients’ lifetime income withdrawal percentage increases every year they hold their contract before starting income withdrawals. Lifetime withdrawals can begin immediately (age 50 or older) or on any monthly anniversary by electing Level or Increasing Income. The interest bonus is credited each year the chosen allocations earn interest. During the first 10 contract years, a surrender charge 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).
10 Although MY (multi-year) point-to-point crediting is designed to offer higher rates than its one-year counterpart, there is no guarantee rates will be higher or that rates will increase year over year. Rates will vary due to market conditions. For certain accumulation-focused FIA products, MY point-to-point crediting methods are only available to allocate to during the withdrawal charge period. See the product-specific Statement of Understanding (SOU) for more information.
11 Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised.• 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
Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower rates, or other restrictions that are not included in similar annuities that don’t offer a bonus feature.
Distributions may be subject to a withdrawal charge. Distributions are subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax.
Guarantees are backed solely by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.
Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. (C64237-MVA, C64997-MVA, R-95581-02-MVA, R-95352-01-MVA, C54370-MVA, R95316-MVA)
For financial professional use only – not for use with the public.
Product and feature availability may vary by state and broker/dealer.
This content does not apply in the state of New York.
