Retirement risk management insights

Now more than ever, Americans need professional help to achieve their retirement goals. At Allianz, we draw on more than 125 years of experience and our signature consumer research to help you integrate risk management strategies, such as annuities, life insurance products, and ETFs (offered through AllianzIM1), into your clients' retirement plans and seek to improve their outcomes.

Our deep experience in retirement risk management makes Allianz a trusted source for relevant, actionable information you can use to better understand your clients’ needs and concerns. Come back often to find the latest retirement risk management insights.

Debt leaves many Americans struggling to save for retirement

Americans are holding more debt than ever, and many worry that their debt will affect their financial future. Debt can limit the ability to save for and achieve long-term financial goals like retirement. Still, few are discussing the worry about their existing debt affecting their future quality of life with a financial professional.

Women taking on more financial responsibility

Nearly half of all women said they are the primary breadwinner in their family. Even more have the primary responsibility for managing finances and making financial decisions for their household. Still, many do not feel financially secure and could benefit from guidance from a financial professional.

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Rebuilding Retirement podcast

rebuilding retirement, navigating a new reality with your clients

Navigating a New Reality with your Clients

Get insights from financial industry leaders and innovators on how retirement – and the entire industry – are evolving. You’ll learn new approaches to risk management and the challenge of preparing your clients for the future they want.

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Risk management in practice

We share how financial professionals can help address their clients’ biggest problems with our deep understanding of the market and risk management.

How to help clients balance debt and retirement savings

Conversation starters that can help mitigate the risk that debt can pose to their financial future.

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3 reasons to talk to your clients about the weather

Extreme weather can erode your clients’ wealth – just like inflation and rising health care costs. Here are reasons to talk about it.

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How to help clients prepare for a longer-lasting retirement

Most people would like to live a long life and enjoy a lengthy retirement. Yet, a long life can pose risks to retirement.

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What keeps women up at night?

Fear of outliving retirement funds is a big concern among women. How can you help female clients feel more confident in their financial future?

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In the media

Why Gen Xers Could Uniquely Benefit from Retirement Risk Management

Eric Thomes, chief distribution officer, reminds financial professionals not to forget about the emerging needs of this generation.

What does retirement readiness really mean for your clients?

Corey Walther, president of Allianz Life Financial Services, LLC offers steps for financial professionals to help clients improve their retirement readiness. 

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How Americans feel about financial risks

Consumer feelings about retirement and the economy are constantly changing. To help financial professionals better understand their clients’ needs, we conduct ongoing consumer insight research.

Driving improved financial security for Black Americans (PDF)

Study found that everyone has financial goals, but for Black Americans, reaching those milestones often comes with unique challenges rotted in deep-seated historical and systemic factors.

Debt and retirement: Helping your clients strike a balance to prepare for their financial future (PDF)

Study found that Americans are carrying more debt than ever, and many are holding onto it later in life.

Longer retirements need longer-lasting income (PDF)

Study found that your clients are likely to spend more time in retirement than previous generations.

Weatherproofing your clients’ retirement (PDF)

Study found that a majority of Americans are anxious about the effect extreme weather could have on their financial future.

Primary breadwinners and household CFOs: Women are taking charge of their financial well-being (PDF)

Study found that more women are taking on greater financial responsibility in their households than they were just two years ago.

The new reality for financial professionals (PDF)

Study found that fewer Americans say they are working with a financial professional even as they navigate a new retirement reality.
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Market and economic insights

The market environment affects how financial professionals create retirement strategies. Our investment professionals within Allianz Investment Management LLC1 use their deep understanding of the economy to share market commentary every quarter to aid in conversations about long-term strategy.

2025 Outlook: To cut or not to cut… That is the question for the Federal Reserve

2024 4Q Outlook: Cleared for landing ...

2024 3Q Outlook: Rewinding to the ‘90s
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Insights from our industry partners

The 2024 Insurance Barometer Study

A new study, conducted jointly by nonprofit industry trade associations Life Happens and LIMRA, reveals middle-income Americans represent the largest market opportunity for the industry.

The ACLI 2023 Life Insurers Fact Book

The Life Insurers Fact Book from the American Council of Life Insurers provides statistics and information on trends in the life insurance industry including life insurance and annuities.

ALI PRIP Study Chapter Two

The 2024 Protected Retirement Income and Planning (PRIP) annual study from the Alliance for Lifetime Income examines the attitudes and behaviors toward retirement savings of Americans ages 61 to 65.

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Learn about Allianz

We are a leading provider of financial and retirement solutions with more than a century-long tradition of keeping our promises. Those appointed with Allianz will have access to a suite of retirement risk management products that can help your clients achieve their retirement goals.

1 Allianz Investment Management LLC (AllianzIM) is a registered investment adviser and a wholly owned subsidiary of Allianz Life Insurance Company of North America.

Allianz Life Insurance Company of North America (Allianz), Allianz Investment Management LLC (AIM LLC) and Allianz Life Financial Services, LLC are affiliated companies.

AllianzIM ETFs are distributed by Foreside Fund Services, LLC. Allianz Life Insurance Company of North America, Allianz Investment Management LLC and Allianz Life Financial Services, LLC are affiliated companies and are not affiliated with Foreside Fund Services, LLC.

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

Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.com

This content does not apply in the state of New York.