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Allianz

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Financial Ratings

A.M. Best A+Stable
Moody's Aa2Stable

About Allianz

Allianz Life Insurance Company of North America, headquartered in Minneapolis, is a leading U.S. provider of retirement and protection solutions. As the U.S. life and annuity arm of Allianz SE, one of the world’s largest financial services groups operating in more than 70 countries, Allianz Life combines global stability with local expertise. The company traces its roots back to 1896 through predecessor organizations and became part of the Allianz group in 1979. Today, Allianz Life is best known for its broad portfolio of annuity products designed to meet diverse retirement income needs. These include fixed annuities, fixed index annuities (FIAs), registered index-linked annuities (RILAs), and multi-year guaranteed annuities (MYGAs), offering clients a range of solutions for guaranteed accumulation, income, and principal protection. The company also provides innovative riders such as guaranteed lifetime withdrawal benefits and enhanced death benefits, reflecting a strong focus on both growth and protection. In New York, life and annuity business is issued through an affiliated company due to state-specific licensing requirements.

Product Lineup

Allianz 222

Fixed Indexed Annuity

Fixed index annuity with bonuses and guaranteed lifetime income potential

Premium Bonus15%
Interest Bonus50%
Index Options5 index options
Lifetime Income5.0%-6.0% annual withdrawal rates

Best for: Retirement savers who want principal protection with growth potential and guaran...

Details

Allianz 222+

Fixed Indexed Annuity

Flexible retirement income with growth potential and downside protection

Premium BonusSee product insert for current rate
Interest Bonus Factor150%
Free Withdrawals10% per year, up to 20% with carryover
Income Flex BenefitAvailable after first contract anniversary

Best for: People preparing for retirement who want guaranteed income with growth potential...

Details

Allianz 360

Fixed Indexed Annuity

Fixed index annuity with 5% interest bonus & guaranteed lifetime income

Interest Bonus5% bonus
Lifetime IncomeTwo income options available
Withdrawal Percentage IncreasesAnnual increases
Principal Protection100% protection

Best for: Individuals concerned about saving enough for retirement who want principal prot...

Details

Allianz Accumulation Advantage

Fixed Indexed Annuity

Index-linked growth with principal protection and flexible withdrawal options

Principal Protection100% principal protection
Index LockAvailable with participation rate methods
Multiple Crediting Methods3 crediting method types
Free Withdrawals10% annually

Best for: Retirement savers who want market upside potential with principal protection and...

Details

Allianz Accumulation Advantage 7

Fixed Indexed Annuity

7-year FIA with principal protection and Index Lock feature

Principal Protection100% protection
Index LockAvailable on select allocations
Free Withdrawals10% of premium or accumulation value, whichever is greater
Surrender Period7 years

Best for: Investors seeking principal protection with growth potential who can commit fund...

Details

Allianz Accumulation Advantage+

Fixed Indexed Annuity

Fixed index annuity with 14% premium bonus and market upside potential

Premium Bonus14%
Penalty-Free WithdrawalsUp to 20%
Index Lock
Multiple Crediting Methods

Best for: Investors seeking growth potential with principal protection and those who want ...

Details

Allianz Benefit Control

Fixed Indexed Annuity

Fixed index annuity with 25% bonus and guaranteed lifetime income potential

Premium Bonus25%
Interest BonusVaries by option chosen
Income Start AgeAge 50+
Bonus Control OptionsTwo options available

Best for: People approaching or in retirement who want guaranteed income with growth poten...

Details

Allianz Benefit Control+

Fixed Indexed Annuity

Flexible income annuity with bonuses and protection from market downturns

Premium BonusAvailable first 18 months
Interest Bonus150% or 250% depending on option chosen
Bonus Control BenefitTwo allocation strategies
Income Flex BenefitAvailable after first contract year

Best for: People approaching or in retirement who want guaranteed income with growth poten...

Details

Core Income 7

Fixed Indexed Annuity

Guaranteed lifetime income with potential for increases and market protection

Increasing Withdrawal PercentagesStarts at 5.40% at age 50, can reach 8.60% at age 80
Income OptionsTwo lifetime withdrawal options available
Index Lock FeatureAvailable on annual and 2-year point-to-point methods
Free Withdrawals10% annual free withdrawal amount

Best for: People approaching or in retirement who want guaranteed lifetime income with pro...

Details

Essential Income 7

Fixed Indexed Annuity

Lifetime income with growth potential - protected from market losses

Essential Income BenefitAnnual charge: 1.05%-2.50%
Withdrawal Percentage Increases0.45%-0.75% annual increases starting at age 45
Principal Protection100% principal protection
Index OptionsAnnual point-to-point crediting with caps

Best for: People approaching or in retirement who want guaranteed lifetime income with inf...

Details

Retirement Foundation ADV

Fixed Indexed Annuity

Fixed index annuity with growing income potential and market upside

Increasing Withdrawal PercentagesIncreases range from 0.45% to 0.75% annually depending on age
Income Benefit Rider1.25% annual charge
Two Income OptionsAvailable ages 50-100
Index Allocation OptionsS&P 500, Nasdaq-100, Russell 2000, Bloomberg US Dynamic Balance Index II

Best for: People seeking guaranteed lifetime income with growth potential who can wait unt...

Details

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

August 2, 2016

Rating Agency

Moody's

Rating

Aa3

Description

Excellent

Effective

June 1, 2023

Rating Agency

Standard & Poor's

Rating

AA

Description

Very strong

Effective

February 6, 2009

Rating Analysis

Allianz SE has strong financial strength ratings from major rating agencies, reflecting its robust financial stability and ability to meet its insurance obligations.

Allianz Products

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