You’ve worked hard and now it’s time to start thinking about retirement – whether you want to protect your savings, grow it, or both – we can help.
If you’re concerned about saving enough for retirement and generally, if these describe you, our suite of Allianz® registered index-linked annuities (RILAs) may help meet your future needs:
You’re looking for some protection from market volatility and loss.
You’re focused on preserving and accumulating assets.
You want a customizable solution that’s appropriate for you.
An annuity is a financial vehicle that is designed to help you prepare for retirement. Simply put, an annuity is a contract between you and an insurance company: You pay the insurance company purchase payments, and in exchange you get benefits only an annuity can provide. Annuities offer tax-deferred growth potential while you're saving for retirement, and reliable income in the form of annuity or income payments after you retire – in some cases, for as long as you live.1
A registered index-linked annuity, or RILA, is a specific type of annuity that relies on external market performance as measured by an index to determine returns. RILAs offer a unique combination of features, including the opportunity to participate in a level of protection and growth potential that can help you achieve your overall financial goals. This is accomplished through a variety of index options. RILAs also offer a variety of lifetime payout options and death benefit options.
RILAs are subject to investment risk, including possible loss of principal. 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.
Work with a financial professional to identify the product that best helps achieve your financial goals.
Focus on growing retirement savings.
Offer a balance between growing assets and building a foundation for lifetime income.
A fixed index annuity may be a good choice if you want the opportunity to earn indexed interest through market participation, but don't want to risk losing principal.
1 As long as you follow the terms of your contract.
Check the background of Allianz Life Financial Services, LLC on FINRA's BrokerCheck.
Purchasing an annuity within a retirement plan that provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefit. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan.
Withdrawals will reduce the contract 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 Allianz® registered index-linked annuities and any available 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 registered index-linked annuity and any available 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 insurance 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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297, and distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA. (L40538, L40538-01, L40538-IADV, 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.
