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Why you need a strategy to address the rising cost of living

A fixed income may fall short over time.


Our increasing income potential can help your income strategy stay strong

Because retirement may last 25 to 30 years (or longer), it’s important to have a source of guaranteed income for life. Fixed index annuities (FIAs) can provide this – plus principal protection from market downturns, accumulation potential, tax deferral, and a death benefit for beneficiaries.

But a fixed income may not be sufficient if expenses rise with inflation, especially over a long retirement. That’s why it’s important to also have opportunities for income increases.

Allianz Life Insurance Company of North America (Allianz) is a leader in providing annuities that offer the potential for increasing income. In fact, we were the first to offer an “annual reset” withdrawal option that could increase every time the annuity earned an interest credit.1

Our history of giving income increases

of our clients who chose our increasing income option have received an increase.2
of our clients who are receiving income have received a payment increase every year.2
of our clients with multiple increase opportunities have received an income increase more than once.3
Past credits are not a guarantee of future results.

See why a fixed income may not be enough

If you are living on a level or fixed income, as inflation and medical expenses go up, you may be forced to make uncomfortable decisions on what you can continue to afford. Not just big purchases – but the little things that make retirement more enjoyable, too.

We are living longer

Retirement could potentially last 25 or 30 years, or even longer.
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The cost of living will increase

Everything you buy today could cost about twice as much in 25 years.

With Allianz, income increases are permanent

With Allianz, your lifetime income payments will continue for the rest of your life, as long as you follow the terms of your contract. And every time you get a payment increase, that new higher payment is guaranteed for the rest of your life.

How it works

Many fixed index annuities offer lifetime income benefits – but very few also offer the opportunity for income increases every time the contract earns an interest credit.

With the Allianz® fixed index annuity benefit:

  • Every year interest is credited to your contract, your income will increase by the same percentage. We refer to this as the “annual reset method.”
  • Every time you get a payment increase, that new higher payment is also guaranteed for the rest of your life as long as you follow the terms of your contract.
  • Previous lifetime income withdrawals, fees, index losses, or even a depleted contract value don’t impact your ability to receive a payment increase.

The result may be more opportunities to increase your income.

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Explore potential solutions

Learn more about our fixed index annuities that offer the opportunity for income increases.

Do you have a plan to address the rising cost of living?

Talk to your financial professional about how you can keep your income as strong tomorrow as it is today.

1 Increasing income potential is provided through built-in or additional-cost riders.

2 The total number of contracts used for this analysis was 50,363 and represents any increase of any amount in a given year.

3 The 41,020 contracts with more than one opportunity to increase were used for this analysis.

To be eligible for increasing income payments through withdrawals, you must choose a payout option offering increasing income and meet all contract conditions (including any deferral period or minimum age requirement), which will vary based on the terms of the specific product selected. There is no guarantee that your contract will receive an increase in any given year.

Although external indexes may affect your contract’s values, fixed index annuities do not directly participate in any stock, bond, or investment. You are not buying bonds, shares of stock, or shares of an index.

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

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

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060.

• 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

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

This material must be used with the applicable fixed index annuity consumer brochure and income benefit rider brochure, if applicable.