Friday, March 29, 2024

Mutual of Omaha

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Mutual of Omaha has launched a new, secure member eligibility tool for dental providers, giving them on-demand access to real-time benefits and eligibility information for members of employer-provided Mutual of Omaha (Mutually Preferred® Network) dental plans.

This new tool offers direct, self-service access to member eligibility—without need of a representative—24-hours-a-day online or through an interactive voice response line. This makes it easier for providers to provide their patients with the best treatment options.

To access the online tool, dental providers can visit www.mutualofomaha.com/dental-eligibility to fill out a form and receive member benefits via email or fax. In addition to the online tool, providers can also use the self-service phone line at 800-927-9197 and follow the prompts given to receive member eligibility.

“At Mutual of Omaha, we continually strive to improve our customers’ experience and to be a company that’s convenient and easy to work with,” said Scott Ault, executive vice president, Workplace Solutions at Mutual of Omaha. “We are excited about this new member eligibility tool that our dental providers can use to quickly access member information when they need it.”

For more online dental provider resources, visit Mutual of Omaha’s provider portal at www.mutualofomaha.com/dental-provider.

Founded in 1909, Mutual of Omaha is a highly-rated, Fortune 500 organization offering a variety of insurance and financial products for individuals, businesses and groups throughout the United States. As a mutual company, Mutual of Omaha is owned by its policyholders and committed to providing outstanding service to its customers. For more information about Mutual of Omaha, visit www.mutualofomaha.com.

OneAmerica

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OneAmerica®, a national provider of insurance and financial services, announced enhancements to its suite of whole life insurance products to provide more robust, flexible options to clients. Whole Life Select, Whole Life 95 and Whole Life 121 products now include several new features that make them some of the most diverse in the industry.

“As part of the 7702 regulatory changes, we’re evolving our product designs in a way that modernizes them and emphasizes flexibility to better meet the needs of today’s clients,” said Mark Scalercio, senior vice president and head of distribution of Individual Life and Financial Services. “We’re dedicated to providing affordable whole life coverage, while also delivering products to the market that stand the test of time.”

While the product portfolio will continue to offer strong guarantees, death benefits, cash value growth and tax advantages, OneAmerica is giving clients more customization opportunities and the potential for added financial benefits through its recent whole life release. A highlight of the product changes is a new guaranteed interest rate that impacts gross premiums, cash value and dividends. The rate decrease to 3.25 percent impacts the base policy cash values, paid-up additions cash values, 7-pay premiums and other product values. OneAmerica continues to allow policyholders to choose from various payment periods, allowing financial professionals to tailor a policy to a clients’ specific financial planning needs.

The products also make available many riders, which provide an opportunity for greater customization for client needs. Highlights include the Indexed Dividend Option and the Survivor Purchase Option, which can present advantages for long-term estate preservation. Another option, the Paid-Up Additions Rider (PUAR), offers one of the lowest up-front load charges in the industry at six percent. When the PUAR is paired with the Enhanced Blended Insurance Rider or Same Insurance Term Rider, it provides flexibility to a financial professional to adjust the policy to a client’s goals and budget. Policyholders benefit from this rider by using more of each payment in the purchase of whole life insurance.

“The product changes are a testament of our financial strength and will better enable our distribution partners to meet the needs of our clients,” said Scalercio.

OneAmerica® is the marketing name for the companies of OneAmerica. Products issued and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica company. Whole Life 95, Whole Life 121 and Whole Life Select form numbers: L-60 and L-60SP. Not available in all states or may vary by state. All guarantees are subject to the claims-paying ability of AUL. Dividends are not guaranteed, past performance is not indicative of future results, and actual results may vary.

Allianz

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To help registered investment advisers (RIAs) manage transition and longevity risks in client portfolios, Allianz Life Insurance Company of North America (Allianz Life) recently announced it has launched an advisory version of its Allianz Index Advantage Income® Variable Annuity. The Allianz Index Advantage Income ADVSM Variable Annuity offers an advisor-centric product design with seamless integration, low fees1, greater control and enhanced fee billing.

In a recent Allianz Life study*, 88 percent of financial advisors said it is more important to effectively manage risk in client portfolios than generate the highest gains. The product can help address retirement risks associated with the rising cost of living over a longer retirements by offering indexed return potential with a level of protection through multiple crediting methods (also called index strategies), tax deferral, a variety of lifetime payout options, and a choice of death benefit options within the accumulation phase.

“The Index Advantage Income ADV offers investment advisory representatives (IARs) and their clients a modern approach to managing retirement risks like longevity and inflation,” said Heather Kelly, senior vice president of Advisory and Strategic Accounts, Allianz Life. “The product offers low fees1, greater control in managing assets, commission-free, and enhanced fee-billing while seamlessly integrating into financial planning, portfolio management and reporting platforms. These features help to remove some of the barriers that have previously prevented RIAs from integrating insurance into holistic financial plans.”

In addition to the robust product benefits, advisors can leverage their preferred financial planning and portfolio management tools to help demonstrate the value of integrating insurance solutions to clients.

Learn more about the product and get supporting materials and dedicated resources at www.allianzlife.com/advincome.

1) A 0.25 percent product fee and 0.70 percent Income Benefit rider fee are accrued daily and deducted on each quarterly contract anniversary, calculated as a percentage of the charge base. The Income Benefit rider is automatically included in the contract at issue and cannot be added to a contract after issue.

*Allianz Life and Zeldis Research conducted an online survey in February and March of 2021 with a nationally representative sample of 289 financial advisors. Respondents included IARs and hybrid advisors with 5+ years of experience who make product recommendations to clients, have at least half of their business from individual clients, as well as an AUM of more than $25 million and 97 percent with AUM of more than $50 million.

As with any investment vehicle, index variable annuities are subject to investment risk, including possible loss of principal. Investment returns and principal value 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 market value adjustment. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10 percent federal additional tax.

For more complete information about Allianz Index Advantage Income ADV Variable Annuity and the variable option, call your financial professional or 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 annuity and thee variable option, which you should carefully consider. Please 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 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. (L40538-IAI)

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

LifeSecure

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LifeSecure Insurance Company announced a strategic partnership with iptiQ to simplify the life insurance buying experience by launching simplified issue final expense and term life insurance products.* Available on August 1, the two products mark LifeSecure’s first expansion into the life market.

“Helping people plan for life’s unexpected events is at the heart of our mission, and we’re excited to extend that commitment to life insurance,” said Patrick J. Prichard, LifeSecure president and CEO. “The past year and a half has shown us all the importance of financial protection and preparing for the unexpected. Our partnership with iptiQ will help us and our distribution partners connect more families with straightforward, affordable coverage to protect what matters most.”

iptiQ was created in 2016 by Swiss Re, a leading wholesale provider of reinsurance and insurance headquartered in Zurich. Together, iptiQ and LifeSecure will deliver a best-in-class digital buying experience, simple application process, and easy to understand life solutions to individuals and families in the United States.

“LifeSecure and iptiQ share several company values, like using innovative solutions and technology to simplify the process of buying life insurance and creating a better future for our policyholders and their beneficiaries,” said Niels Keuker, chief marketing and sales officer of iptiQ Americas. “We’re excited to partner with LifeSecure in providing affordable insurance coverage and a streamlined digital journey to agents and customers.”

*The final expense and term life insurance products are both underwritten by iptiQ’s insurance carrier, Lumico Life Insurance Company. Both products will be available in Washington D.C. and in all states except New York. The final expense insurance product will not be available in Montana. Certain benefit riders will not be available in California.


Based in Brighton, Mich., LifeSecure Insurance Company is dedicated to its mission of delivering an exceptional insurance experience. The company offers supplemental health, long term care and life insurance products. LifeSecure is licensed in 49 states and the District of Columbia. Additional information is available at http://YourLifeSecure.com.


iptiQ is a division of Swiss Re, providing a cutting-edge digital insurance platform, world-class underwriting capabilities and high-value life and health insurance products. Its digital platform helps carriers and distribution partners accelerate access to new customers and products. iptiQ entered the U.S. market in 2016 to address the $26T insurance protection gap. To learn more, visit http://iptiQ.com.

Amalgamated Life

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TruHearing, the market leader in hearing products and solutions, is expanding access to hearing benefits through its recent partnership with Amalgamated Life Insurance Company, one of the nation’s leading providers of comprehensive insurance solutions. Amalgamated Life Insurance Company currently offers a wide range of group and voluntary benefits; this partnership integrates hearing products into their robust portfolio. With four of TruHearing’s group voluntary plans now being offered, Amalgamated Life can provide a range of options in hearing health services to its extensive customer base. Four plan options are currently available, ranging from discount plans to fully insured coverage.

According to a recent survey by the American Speech-Language-Hearing Association (ASHA), more than half (51 percent) of adults report having hearing problems, but only 11 percent of those respondents have sought treatment. Financial barriers, including cost of hearing treatment and lack of insurance or sufficient insurance coverage, were cited as barriers for a combined 44 percent of those with untreated hearing loss.

“At Amalgamated Life, we are continually adding new solutions to our suite of insurance products and employee benefits. The TruHearing voluntary plans help address the too often neglected area of hearing loss.” said Paul Mallen, CEO, Amalgamated Life Insurance Company. “By partnering with TruHearing, we can help plan sponsors meet a vital need and facilitate improved mental health and cognitive function for individuals with impaired hearing. This, in turn, improves quality of life and delivers key benefits to employers such as productivity increases and lower healthcare costs.”

Through TruHearing, covered members can access audiological exams from the largest national network of over 7,000 provider locations, with remote care and telehealth services, as well as hearing aids from the six leading hearing aid manufacturers globally, allowing them to prevent future damage to hearing and avoid unnecessary medical bills. Treatment of hearing loss can also prevent many health and safety risks, from undiagnosed diseases to falling accidents, depression, social isolation, anxiety and dementia.

“TruHearing is committed to building awareness of the importance that quality hearing can make in a person’s life and of the advantages hearing coverage offers to benefit providers,” said Tommy Macdonald, CEO, TruHearing. “Partnering with Amalgamated Life allows us to reach even more organizations with this important message and offer a range of hearing coverage options to improve more lives.”

TruHearing is the leader in hearing healthcare benefits serving more than 160 million people nationwide. With a highly qualified network of hearing care providers combined with the most extensive and technologically advanced hearing aid selection, white-glove service and pre- and post-care support, TruHearing delivers the best value and service to payors and people with hearing health challenges. Headquartered in Draper, UT, TruHearing has been improving lives by making hearing healthcare more affordable for more than 18 years and has been recognized as a “Top Workplace” in the state for five consecutive years. For more information, visit: https://www.truhearing.com.

Founded in 1943, Amalgamated Life Insurance Company, headquartered in White Plains, NY, has since grown into a leading provider of comprehensive insurance solutions operating in all 50 states and the District of Columbia. Working closely with plan sponsors, brokers and benefit consultants, Amalgamated Life offers an extensive suite of group insurance and voluntary benefits. Group offerings include: Term life, medical stop loss, disability and specialty drug cost management. Its voluntary products include: Disability, accident, portable term life, whole life, accidental death and dismemberment, critical illness, cyber security, dental, hearing and legal. All of Amalgamated Life’s solutions are characterized by effective risk protection and coverage, flexible benefit options and competitive pricing. For more information, visit: https://www.amalgamatedbenefits.com/amalgamated-life.

Allianz

To help offer clients short-term control with additional options for long-term growth potential, Allianz Life Insurance Company of North America (Allianz Life) has announced new product enhancements on select index variable annuities (IVAs), also known as registered index-linked annuities (RILAs).

These features on the Allianz Index Advantage® Variable Annuity and Allianz Index Advantage Income® Variable Annuity include two new multi-year term index options: The Index Performance Strategy 6-Year Term and Index Performance Strategy 3-Year Term, both with 10 percent buffer. These are in addition to the Index Performance Strategy 3-Year Term with a 20 percent buffer launched in May of last year. In addition, these new multi-year term strategies will have Participation Rates (minimum of 100 percent) which offer the potential to outperform index returns. The index options are subject to an annual cap.1

“The innovative new Index Performance Strategies can be a good solution for those with a longer time horizon and looking for more market exposure,” said Corey Walther, president, Allianz Life Financial Services. “The longer terms provide more growth potential, but when combined with our performance lock feature, clients can maintain a level of short-term control. In some respects, it can be the best of both worlds.”

To also offer short-term control to these multi-year term strategies, a performance lock feature allows the ability to lock in gains or help limit losses once during a term. With the ability to manually lock or to set an automatic target, this feature can help further reduce the impact of market volatility. By electing performance lock, you will no longer participate in any potential gains (or losses) for the rest of the term. Locked index options allow reallocation on the next Index Anniversary, rather than at the end of the term.

  1. You could experience a loss during an index period if the index declines more than the level of downside protection. You may not be able to participate fully in a market recovery due to the capped upside potential in subsequent index periods.

Each index option is the combination of an index strategy and the index. These unmanaged indices are not intended to represent specific mutual funds. Investors cannot invest directly in an index.

For more complete information about index variable annuities and any available variable options, call your financial professional or 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 annuity and available variable options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees 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, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (L40538, L40538-IAI)

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

Allianz Life Insurance Company of North America, one of the FORTUNE 100 Best Companies to Work For® and one of the Ethisphere World’s Most Ethical Companies®, has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products. In 2020, Allianz Life provided additional value to its policyholders via distributions of more than $10.1 billion. As a leading provider of fixed index annuities, Allianz Life is part of Allianz SE, a global leader in the financial services industry with approximately 150,000 employees in more than 70 countries. Allianz Life is a proud sponsor of Allianz Field® in St. Paul, Minnesota, home of Major League Soccer’s Minnesota United.

Protective Life

Protective Life Corporation (Protective), a wholly owned U.S. subsidiary of Dai-ichi Life Holdings, Inc. (TSE:8750), announced enhancements to available investment options, advancing the company’s presence in the variable annuities space. To help clients better capitalize on growth opportunities, Protective’s commission-based variable annuity solutions and their fee-based advisory solutions will now offer investment options from four new investment managers: AllianceBernstein, BlackRock, Columbia Threadneedle and T. Rowe Price. In addition to the new investment managers, Protective has added 29 new sub accounts to their commission-based products and 38 new sub accounts to their fee-based advisory products.

“We’re thrilled to introduce four new, first-class investment manager relationships and add these top investment options into our variable annuities, broadening Protective’s options and reinforcing our commitment to this product line,” said Jim Wagner, Chief Distribution Officer, Protective. “These new variable annuity offerings strengthen our ability to provide financial professionals with more competitive investment options to meet evolving customer needs.”

Throughout its history, Protective’s variable annuity products have allowed the company to deliver high-quality, trusted support to its distribution partners and millions of customers across the country. Understanding what financial professionals and clients need when it comes to asset protection and growth to lifetime income and wealth transfer solutions, the company is investing resources to strengthen its current variable annuity product suite.

Like all the investment options available within Protective’s variable annuity portfolio, each new sub account was carefully selected based on fund management experience, quality investment practices and performance strength.

“We understand how important high-quality investment options are in a portfolio. Our new additions, combined with flexible product features already offered in our variable annuity products, allow us to continue to deliver on our promise of serving people and doing what’s right for our customers,” added Wagner. “Protective’s updated model portfolios support customers’ growth goals based on their risk tolerance. This investment expertise paired with tailored solutions amplifies our commitment to provide customers with trusted, strong and stable products.”

Protective® Variable Annuity II B Series and Protective® Variable Annuity Investors Series are two of Protective’s commission-based solutions distributed by broker dealers and banks. Protective® Investors Benefit Advisory Variable Annuity is Protective’s fee-based advisory product solution for registered investment advisors.

As Protective looks to the future with a focus on protecting more customers, the company’s strong portfolio of traditional commission-based and fee-based advisory variable annuity solutions will help more clients retire confidently.

To learn more, visit www.Protective.com.

Protective Life Corporation (Protective) provides financial services through the production, distribution and administration of insurance and investment products throughout the U.S. Protective traces its roots to its flagship company, Protective Life Insurance Company–founded in 1907. Protective’s growth and success can be largely attributed to its ongoing commitment to serving people and doing the right thing–for its employees, distributors, and most importantly, its customers. Protective’s administrative office is located in Birmingham, AL, and its 3,200+ employees work across the United States. As of December 31, 2020, Protective had assets of approximately $127 billion.

Variable Annuities issued by Protective Life Insurance Company (PLICO), Nashville, TN, in all states except New York and in New York by Protective Life and Annuity Insurance Company (PLAIC), Birmingham, AL. Securities offered by Investment Distributors, Inc., Birmingham, AL, the principal underwriter for registered products issued by PLICO & PLAIC, its affiliates.

Allianz Life

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Allianz Life Insurance Company of North America (Allianz Life) has announced new enhancements to its Allianz Life Pro+ AdvantageSM fixed index universal life insurance policy. In addition to providing death benefit protection, the new product features also provide more options for clients and new sales tools for the financial professionals who sell the policy.

At the same time, Allianz Life is introducing changes that will help comply with the newest phase of Actuarial Guideline 49 (AG 49 A), which is intended to help standardize fixed index universal life (FIUL) insurance policy illustrations across the industry by establishing guidelines that are more conservative.

“While regulations and markets continue to change, Allianz Life is focused on delivering innovative product solutions to help clients protect their finances and address risks both in the short and long term,” said Jason Wellmann, senior vice president of Life Insurance Distribution, Allianz Life. “We are also focusing on providing top-notch education to the financial professional to help ensure they have a good understanding of AG 49 A and how it could impact the way FIUL policies are sold.”

To comply with AG 49 A guidelines, the company is implementing the following changes:

  • Multiplier bonuses shown in the illustration are to be no higher than the maximum illustrated rate of the benchmark index.
  • Individual indexed allocations will now have specific maximum illustrated rates.
  • Participati.ng (indexed) loan arbitrage will be limited to 50 bps above the loan charge.

Allianz Life is also introducing the following product enhancement, and rolling out new digital tools, including:

  • New classic (flat-rate) bonus for a guaranteed interest credit.1
  • Enhanced sales tools including a simplified consumer brochure, showcase tool for educational case studies, and redesigned illustration.
  • Continued support of the Allianz Life volatility control indexes and Index Lock2—exclusive features designed to provide the potential for more consistent performance in today’s environment

1. Includes an allocation restriction, meaning clients may not be able to allocate 100 percent of their accumulation value, if the fixed account goes below one percent.

2. Both features are available with select index allocation options.

Bonused products may include higher surrender charges, longer surrender periods, lower caps, or other restrictions that are not included in similar products that don’t offer a bonus. The index allocations that offer the interest bonus will generally have lower caps and participation rates. Not all bonuses guarantee that a policy will be credited with an interest bonus every year as some are based on the growth of an index.

It’s important to note that with an external index, your policy does not directly participate in any equity or fixed income investments—you are not buying shares in an index.

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

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

Product (P64339) is issued by Allianz Life Insurance Company of North America.

Mutual of Omaha

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Mutual of Omaha has introduced a new disability income insurance product featuring a fully digital experience and additional coverage options for customers who are seeking to protect their income if they become sick or injured and are unable to work.

Mutual Income SolutionsSM covers a wider range of occupations (including medical professions), offers numerous optional add-on coverages, stackable discounts up to 30 percent, and an increased maximum monthly benefit of $20,000.

Additionally, Mutual Income Solutions provides a non-cancelable rate option, which guarantees coverage for the duration of the benefit period and locks in premium amounts, as long as they are paid on time or within the grace period.

“Our company has more than a century’s worth of experience delivering disability income protection when customers need it the most,” said Mary Swanson, vice president and actuary. “Mutual Income Solutions allows us to serve more customers through a wide array of coverage choices, while also providing a more simplified, convenient way to purchase and maintain policies.”

The enhanced process includes an electronic-only experience for customers and sales professionals, complete with e-applications, e-policy delivery and an online self-service portal.

As of Oct. 15, Mutual Income Solutions was available for customers to purchase through licensed advisors and brokers in all states except California, New York and the Virgin Islands.

To learn more about Mutual of Omaha’s disability income insurance solutions, visit http://www.mutualofomaha.com/disability-insurance.

Founded in 1909, Mutual of Omaha is a highly rated, Fortune 500 organization offering a variety of insurance and financial products for individuals, businesses and groups throughout the United States. As a mutual company, Mutual of Omaha is owned by its policyholders and committed to providing outstanding service to its customers. For more information about Mutual of Omaha, visit http://www.mutualofomaha.com.

Allianz

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Allianz Life Insurance Company of North America (Allianz Life®), announces the expansion of its advisory channel services with the formal launch of Allianz Advisory Solutions, an expanded suite of products and services built specifically for Registered Investment Advisors (RIAs) to help enhance their risk management capabilities.

A reflection of Allianz Life’s ongoing commitment to the advisory community and leadership in risk management, Allianz Advisory Solutions is built on three core pillars:

Risk Management Solutions: Allianz Life offers a growing suite of risk management strategies built to help advisors more efficiently plan for longevity, address portfolio volatility and ultimately, help improve quantifiable financial outcomes for clients. Products span across a spectrum of practice models and partner affiliations and include annuities, life insurance and AllianzIM Buffered Outcome ETFs.

Advanced Strategies and Planning: This pillar encompasses a full range of support designed to help advisors address the uncertainties and risks associated with an increasingly challenging market environment. Allianz Life has a dedicated team of fintech and advanced planning strategists committed to helping RIAs deliver wide-ranging financial planning capabilities to their clients. Services range from helping advisors model annuities in popular planning software to addressing complex cases on tax rules and new legislation, Social Security, and estate planning.

Technology and Platforms: In an effort to help advisors seamlessly implement risk management into their unique planning and investment ecosystem, Allianz Life provides tech support to guide them through the process of establishing direct data feeds with many of the largest platforms in the industry. Further, Allianz Life has developed strategic partnerships with Halo, LifeYield and Vestwell through the Allianz Ventures program, providing access to leading-edge knowledge, tools and capabilities in the financial industry.

Heather Kelly, senior vice president of Advisory and Strategic Accounts at Allianz Life and a 25-year veteran of the advisory community, will be leading the deployment of Allianz Advisory Solutions.

“We built Allianz Advisory Solutions to help advisors address some of the most important practice management challenges they are facing today, including the mitigation of risk associated with retirement planning,” said Kelly. “This trifecta of products, services and technology, all supported by our strategic partnerships, is truly a platform for advisors that will not only help them demonstrate the value of risk management to their clients, but also, enhance the value they deliver to clients and build a more sustainable practice for the long-term. With Allianz Advisory Solutions, we are truly meeting advisors where they live.”

The introduction of Allianz Advisory Solutions comes on the heels of the launch of AllianzIM’s Buffered Outcome ETFs, which are managed by Allianz Investment Management LLC, and debuted in June.

For more information on Allianz Advisory Solutions, please visit: www.allianzlife.com/advisorysolutions.

Allianz Life Insurance Company of North America, one of the FORTUNE 100 Best Companies to Work For® and one of the Ethisphere World’s Most Ethical Companies in 2020®, has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products. In 2019, Allianz Life provided additional value to its policyholders via distributions of more than $10.4 billion. As a leading provider of fixed index annuities, Allianz Life is part of Allianz SE, a global leader in the financial services industry with over 147,000 employees in more than 70 countries.

AllianzIM, a wholly owned subsidiary of Allianz Life Insurance Company of North America, is a registered investment adviser and represents the Minneapolis hub of the global Allianz Investment Management network established by Allianz SE. AllianzIM provides hedging and other derivatives-based risk management solutions through its proprietary platform.

Allianz Life Insurance Company of North America, does not give legal or tax advice or advice related to Medicare or Social Security benefits. Clients are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or to go to your local Social Security Administration office regarding their particular situation.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Variable annuity guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

Annuities and life insurance are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. Variable annuities are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297.

Investment involves risk including possible loss of principal. There is no guarantee the funds will achieve their investment objectives and may not be suitable for all investors.

Investors should consider the investment objectives, risks, charges, and expenses carefully before investing. For a prospectus with this and other information about the Fund, please call 877.429.3837 or visit http://www.allianzim.com and review the prospectus. Investors should read the prospectus before investing.

Distributed by Foreside Fund Services, LLC.

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