Insights and Education

Your source for actionable research around today’s retirement realities

New research indicates greater retirement uncertainty and reduced confidence as more Americans rely on their defined contribution plans to cover essential needs

New strategies are needed to help Americans feel more confident in the years leading up to and throughout retirement. Deepen your understanding of the forces influencing the defined contribution landscape with key insights from our knowledgeable professionals.

Our thought leadership is designed to help you:

  • Understand participant attitudes and expectations
  • Evaluate retirement income solutions
  • Gain perspective from diverse voices across product, legal, technology, and distribution

Delve into the multifaceted landscape of portability for guaranteed lifetime income solutions, exploring:

  • The need for both participant-level and plan-level portability
  • The legal and regulatory considerations that influence portability
  • The various factors that affect the true portability of these solutions, such as changes to fees, features, and guarantees
  • The importance of ensuring a consistent participant experience when changes happen

By understanding the interplay of these elements, this white paper aims to shed light on the significance of portability and provide guidance to advisors and plan sponsors in selecting guaranteed lifetime income solutions.


Cover of the Portability Reframed white paper with three professionally dressed individuals discussing documents at a table. The background shows an office environment with large windows.
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Read our blog series

Get insights and perspectives from knowledgeable professionals on technology, legal, and demographic considerations for guaranteed lifetime income.

Managing Retirement Risks with Efficient Income Frontier: A Case for In-Plan Annuities

Explore the application of Modern Portfolio Theory to retirement income planning and the benefits of implementing in-plan annuities to address financial risks in retirement.

In-plan guaranteed lifetime income: Digging deeper into participant demand

Get insights on participant demand, including key differences among generations and demographic groups. This blog examines results from the 2Q 2024 Quarterly Markets Perception Study from Allianz Life Insurance Company of North America.

The Diffusion of Innovation Curve and Guaranteed Lifetime Income: Understanding Adoption Patterns

Understanding how innovation spreads is important for ensuring widespread adoption and a more financially secure retirement for a wider range of plan participants.

From drains to fountains: Rethinking retirement and the language of lifetime income

For far too long, the conventional wisdom surrounding retirement has been: amass a pile of assets to live off – the bigger, the better. What if, instead, we envisioned retirement as a flowing fountain?
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Download our resources on retirement trends and insights

Risks reframed: White paper (PDF)

This white paper looks at common retirement risks and one potential strategy for helping address them.

Risks reframed: Field guide (PDF)

An interactive worksheet you can use with plan sponsors to review retirement risks and strategies for addressing them.

Product reframed: Field guide (PDF)

An actionable checklist and conversation guide for talking to clients about guaranteed lifetime income.

Product reframed: White paper (PDF)

This white paper addresses several of the most common misconceptions about in-plan annuities.
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This content is for general informational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Medicare or Social Security benefits. You are encouraged to consult with your own legal, tax, and financial professionals for specific advice or product recommendations, or to go to your local Social Security Administration office regarding your particular situation.

Allianz Life Insurance Company of North America does not offer financial planning services.

Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.

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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (C64712-MVA)

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