Identifying potential clients for Index Advantage ADV

Your clients have unique time horizons, risk tolerances, and investment goals. But thanks to its features and flexibility, Allianz Index Advantage ADV® Variable Annuity can address a wide range of client needs. Here are three hypothetical scenarios that show you how.

Challenge 1: Interest rate risks

  • Client is nearing retirement
  • Has a balanced portfolio allocation to align with risk profile
  • Concerned about fixed income rate sensitivities, but prefers not to increase equity exposure
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Challenge 2: Looking to diversify overall portfolio

  • Client is five years from retirement
  • Significant portion of portfolio allocated to equity due to growth needs
  • Would like to reduce risk without losing too much upside potential
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Challenge 3: Taxes dragging portfolio performance

  • Client is 10 years from retirement
  • Large nonqualified investment portfolio is actively managed
  • Impact of taxes is significant on portfolio performance
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Why consider Index Advantage ADV for a portion of your client’s portfolio?

For the client:

  • Provides levels of downside protection to help reduce volatility.
  • Offers competitive growth potential.
  • Provides tax deferral and a low fee of 0.25%.1

For the advisor:

  • Varying levels of protection enable a customized strategy to meet individual client needs.
  • Offers five different indexes: three domestic equity, and two international equity.
  • Provides the ability to diversify from a balanced portfolio, seeking a similar risk profile.

1 Calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary, adjusted for subsequent purchase payments and withdrawals.

Diversification does not ensure a profit or protection against a loss.

Investing in a variable annuity may be the answer for part of your client’s overall retirement strategy. A variable annuity combines the potential for long-term growth through market participation with tax deferral, death benefits, and guaranteed lifetime income.

Variable annuities are subject to investment risk, including loss of principal, and contract values fluctuate daily. Investment returns and principal value will fluctuate with market conditions so that units, upon distribution, may be worth more or less than the original cost.


For more complete information about variable annuities and variable options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.

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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297, and distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (L40538)

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