allianz legacy by design

Allianz Legacy by Design℠ Annuity

Protect and enhance your financial legacy

Need a strategy for your required minimum distributions?

Allianz Legacy by Design combines two fixed index annuities in a single product to help address your required minimum distributions (RMDs), while enhancing your financial legacy with a Death Benefit Bonus.1
woman sitting on dock

Here's one way to enhance your legacy

You may not be able to avoid taking minimum required distributions after age 70½ – but you can make them work toward your financial goals. Our video explains how Legacy by Design can help you address the taxes on your RMDs, help you avoid penalties, and protect and potentially enhance your legacy.
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Ready to learn more?

Ask your financial professional how Allianz Legacy by Design can complement your overall retirement strategy.
You can also read further to learn more about how the product works.

1 The Death Benefit Bonus is not available to the contract owner as a full or partial withdrawal. If the Legacy Plus contract is annuitized, the Death Benefit Bonus will not be included in the annuitization value, unless the contract owner reaches age 100. The Death Benefit Bonus will be decreased by any partial surrenders.


Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.

During the first 10 years, a withdrawal charge and MVA will apply if the contract is partially or fully surrendered. These charges may result in a loss of indexed interest and fixed interest and a partial loss of principal (premium).

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

• 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, PO Box 59060, Minneapolis, MN 55459-0060. (C64281-MVA-Q, C64281-NQ)

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