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 Annuities

An annuity is a contract between you and an insurance company that can help you meet your long-term financial goals. Annuities can provide you with many valuable benefits, including:

 

Steady income in retirement  |  Guaranteed lifetime income  |  Tax deferral  |  The ability to transfer wealth to your beneficiaries

Fixed Annuities

 

Benefits

 

Fixed annuities offer steady, predictable interest for a specified period of time. They can also:

 

  • Grow tax-deferred

  • Protect a portion of your retirement savings

  • Provide some income in retirement – for the rest of your life, if you choose

  • Let you transfer some wealth to your beneficiaries

› Learn more about annuities

 

 

 

Products

 

 

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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297

Fixed Index Annuities

 

Benefits

 

Fixed index annuities provide the guarantees of fixed annuities combined with the opportunity to earn interest based on changes in an external market index – without directly participating in the market. Other features can include:

 

  • Various crediting methods

  • Allocation options that give you choices for your money

  • Premium bonuses1

› Learn more about fixed index annuities

 

 

 

Products

 

 

 

For more on our annuity products, contact us directly or speak to your financial professional.

 

1Bonus annuities may carry higher surrender charges, longer surrender periods, lower caps, or other restrictions that are not included in similar annuities that don't offer a premium bonus.

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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.950.7372

Product and feature availability may vary by state.

Variable Annuities

 

 

 

 

Benefits

Variable annuities offer market growth potential based on the investment options you choose. They also offer:

  • Tax deferral

  • Income options

  • Death benefits

  • Optional benefits that may help protect your retirement assets and income*

› Learn more about variable annuities

 

 

 

Products

 

 

 

*Optional riders are available at an additional cost.

Withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.

Contracts L40529, L40530, and L40533 are issued by Allianz Life Insurance Company of North America.

 

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America and do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

 

Products are issued by Allianz Life Insurance Company of North America and are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

 

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

What is an annuity?

 

An annuity is a contract between you and an insurance company. You may buy an annuity to get many valuable benefits, including the potential for a guaranteed stream of income in retirement – in some cases for as long as you live. An annuity may help you avoid outliving your retirement savings. Think of it as part of your plan for lifetime income.

 

 

Annuities offer a variety of benefits:

 

  • Tax deferral

  • Income in retirement – for a specific period of time or the rest of your life, if you choose

  • Protection from loss

  • The ability to transfer wealth to your heirs and avoid probate

  • Can be customized with extra features, or riders, available for additional costs, that can help provide:

    • - Guaranteed lifetime income

    • - Enhanced death benefit

 
An annuity could be a good choice if you want:

 

  • A source of regular income in retirement

  • The ability to reduce the impact inflation could have on your standard of living

  • Tax-deferred growth of your retirement savings

  • A way to transfer some wealth to your heirs, while avoiding the costs and delays of the probate process

 
Different types of annuities do different things:
› Fixed annuities

Provide steady, or fixed, interest for a specified period of time

› Fixed index annuities

Offer potential interest based on positive changes in an external index, but without actually participating in the market

› Variable annuities

Give you the possibility of greater potential returns based on the investment allocations you choose, but they will experience market ups and downs, assuming more risk, and you could lose money

 

 

How does an annuity work?

 

 

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Products are issued by Allianz Life Insurance Company of North America. Variable products are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

Product and feature availability may vary by state, and for variable products, by broker/dealer.

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