See the value of Allianz® registered index-linked annuities (RILAs) with the Income Benefit rider.²
Hypothetical example: After the 1-year waiting period, a 60-year-old could choose to take income at any Index Anniversary. Our bar graph shows what that looks like at age 65 or 70 under the single Level Income4 option.
Joint Lifetime Income Percentages are 0.50% lower than single Lifetime Income Percentages.
RILAs provide indexed return potential with the opportunity for varying levels of protection through multiple index options available prior to receiving annuity payments, tax-deferred growth potential, a variety of annuity options, and a death benefit during the accumulation phase.
The Income Benefit rider also offers an Increasing Income option. This option provides income payments that begin at a lower initial Income Percentage with the potential for Income Payments to increase over time.
For additional materials, including a prospectus, consumer brochure, product profile, and index strategy inserts, visit:
We designed Index Advantage+ Income® and Index Advantage Income ADV® with the opportunity to deliver significant value by offering these advantages:
Give your clients more income potential3 to help alleviate inflation concerns.
Ours is the industry’s first, time-tested Performance Lock feature. Backed by our first-class service model, we provide tools to help you manage your book of business.
Automatically included with the Income Benefit rider for no separate fee (other than the Income Benefit rider fee). Two ways to qualify for double income payments5 when your clients are in need.
Our rates can lead to higher accumulation and income potential.
We offer flexibility to help mitigate large, small, or all market loss.
Executing a Performance Lock may result in receiving less than what the performance credit would have been had a Performance Lock not been exercised. We will not provide advice or notification regarding whether a Performance Lock or Early Reallocation (also known as "get back in") should be executed, the optimal time to do so, or if a Performance Lock or Early Reallocation is exercised at a suboptimal time. We are not responsible for any losses related to executing a Performance Lock or Early Reallocation. Early Reallocation rates received may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary.
Our fintech consultants support integrating risk management into your preferred financial planning software, so you can easily show clients how the opportunity for higher payouts with Index Advantage+ Income® and Index Advantage Income ADV® may help them seek to improve outcomes and better meet their financial goals.6 Email our fintech consultants for help in modeling Allianz® annuities in your clients' overall financial plans.
Call the Sales Desk at 800.542.5427.
1 Based on individual variable and registered index-linked annuities, with guaranteed lifetime withdrawal benefits (initial single life level payments), as of 12/31/2024. Specific contract/benefit details are provided in the annuity prospectuses, which are available from annuity companies' websites.
2 Allianz® RILAs with the Income Benefit rider include a product fee. Automatically included with the contract at issue, the Income Benefit rider includes a rider fee of 0.70%. Both fees are accrued daily and deducted on each quarterly contract anniversary, calculated as a percentage of the charge base.
3 Beginning at age 45, lifetime income percentages are guaranteed to increase each year clients wait to start income. Lifetime income payments can begin on any Index Anniversary once the eligible person reaches age 50, and no later than age 100 after a minimum waiting period of one index year. For joint payments, the age of the younger eligible person will be used to determine income percentages, income percentage increases, and when income payments begin. Although waiting to begin income payments can increase the Lifetime Income Percentage, if the index returns result in a Performance Credit that is zero or negative, it may counteract any increase in the Lifetime Income Percentage and may result in a lower payment.
4 Lifetime Income Percentage examples assume a 6.70% initial Income Percentage at issue for a 60-year-old with a 0.35% Income Percentage Increase every year for 5 years (8.45%) and 10 years (10.20%). Note: The initial Income Percentage for eligible persons age 0 to 50 taking Level Income is 5.70% single and 5.20% joint.
5 To be eligible via activities of daily living (ADLs), a physician must certify that you are unable to perform at least two of the six ADLs and you must have been able to perform all six of the ADLs without substantial assistance on the Issue Date. To be eligible via confinement, we must receive proof of staying in an eligible facility. Eligibility must be reestablished each Income Benefit year thereafter. The Income Multiplier Benefit is not a substitute for long term care insurance.
6 Fintech consultants provide education and information related to our products and do not provide financial or investment advice.
7 Assumes all terms of the contract are followed and no more than the annual maximum income payment is taken. Once established, the annual maximum income payment can only decrease if an excess withdrawal is taken. Excess withdrawals reduce the contract value, income payments, and any guaranteed death benefit value, and may end the contract.
Check the background of Allianz Life Financial Services, LLC on FINRA's BrokerCheck.
RILAs are subject to investment risk, including possible loss of principal. Investment returns and principal value will fluctuate with market conditions so that contract value, upon distribution, may be worth more or less than the original cost.
Withdrawals will reduce contract values (including any cash value) and the value of any potential protection benefits. Withdrawals taken within the period stated in the prospectus will be subject to a withdrawal charge or a Market Value Adjustment (MVA), depending on the product. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.
For more complete information about registered index-linked annuities (RILAs) and any available variable option(s), call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.
Guarantees are backed by the financial strength and claims-paying ability of the issuing company and 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 (Allianz). Registered index-linked annuities are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.624.0197 (L40538-01, L40538-01-IADV)
This content does not apply in the state of New York.
Product and feature availability may vary by state and broker/dealer.
For broker/dealer use only – not for use with the public.
