hero the allianz difference

A leader in innovation. A history of consumer value.

Not all RILAs are created equal. In a marketplace of industry newcomers and fast followers, turn to an established leader you can trust.

Allianz Life Insurance Company of North America (Allianz) offers registered index-linked annuities (RILAs) that deliver a combination of performance potential WITH a level of protection in this low-interest-rate, high-volatility environment.
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The Allianz Index Advantage® suite of index variable annuities (also called RILAs) can provide the performance potential your clients want with a level of protection they need. They also offer tax deferral, traditional variable options, index options, lifetime annuity payout options, and a death benefit during the accumulation phase.

Experience the Allianz difference.

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A diverse and thoughtful selection of crediting methods, also known as index strategies, to help meet varying risk profiles, with flexibility to adapt to changing objectives at the end of the term.
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Dynamic risk management and hedging capabilities through Allianz Investment Management U.S. LLC2 allow for daily valuation, greater flexibility, and additional cost efficiencies.
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By the numbers

146K

Contracts issued3

$22B

Cumulative premium4

313K

Number of Performance Locks executed5

14%

Average locked-in credit in 20215

$1.9B

Gains locked in5

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Leading with strength

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Barron's names Allianz among the best RILA annuities.8

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A history of innovation 

We've provided innovation and consumer value for nearly a decade.
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Call the Sales Desk today to become part of our history and our future. Complete sales support is available at 800.542.5427.

1 Based on individual variable and registered index-linked annuities, with guaranteed lifetime withdrawal benefits (initial single life level payments), as of 2/7/2022. Specific contract/benefit details are provided in the annuity prospectuses, which are available from annuity companies’ websites.

2 Allianz Investment Management U.S. LLC (AIM US) is an investment adviser and wholly owned subsidiary of Allianz Life Insurance Company of North America. AIM US provides investment management and hedging services for the broader Allianz Group.

3 Total number of all Allianz index variable annuity contracts issued between 9/16/2013 and 3/31/2022.

4 Cumulative premium issued through 146,003 contracts between 9/16/2013 and 3/31/2022.

5 Total number of manual and automatic Performance Locks performed and dollar amount of gains for clients who applied the Performance Lock feature between 9/16/2013 and 3/31/2022. Average locked-in credits for clients who applied the Performance Lock feature between 1/1/2021 and 12/31/2021. The total number of contracts used for this analysis was 54,469. Potential credit varies by index strategy and index. Past performance is not an indication of future results.

The Standard & Poor’s rating of AA (Very Strong) is the third highest of 21 possible ratings, and was affirmed October 2021. The independent agency rating is based on an analysis of financial results and an evaluation of management objectives and strategies. The rating does not pertain to the variable options, which fluctuate with market conditions. The rating does not indicate approval by the analysts and is subject to change. For a full description of how rating categories are assigned, please refer to the rating agency's website: www.standardandpoors.com

7 Based on insurance company providers of individual registered index-linked annuities, as of 10/5/2021. Specific company ratings are available from the annuity companies’ websites and also from the rating agency’s website: www.standardandpoors.com

Barron's top 100 annuities list 2021. Barron’s is a publication and not a ratings agency. Annuities included on the Barron’s list are based on limited criteria and should not be construed as a comprehensive comparison of product features and benefits. Financial professionals should consider all aspects of an annuity and a client’s needs when providing a product recommendation.

Check the background of Allianz Life Financial Services, LLC on FINRA's BrokerCheck.


As with any investment vehicle, index variable annuities are subject to risk – including possible loss of principal. Investment returns and principal will fluctuate with market conditions so that contract values, upon distribution, may be worth more or less than the original cost.

Withdrawals will reduce the contract value and the value of any protection benefits. Withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. 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 index variable annuities and any available variable options, call 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 and index-linked annuity and the available variable options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America (Allianz) 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-NF, L40538-IAI, L40538-IADV)

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