Investment Protector (R-7/2012)
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1 Allianz Vision SM Variable Annuity Allianz Life Insurance Company of North America Investment Protector (R-7/2012) An accumulation benefit that provides a level of protection for the principal your clients invest, with the flexibility to access their contract value based on their retirement needs. How the Investment Protector stands out from the competition Allianz Vision Variable Annuity with the optional Investment Protector rider is a potential solution that makes us stand out in the industry, like Truman the Rockhopper in a crowd of ordinary penguins. Principal protection Guaranteed return of purchase payments, adjusted for withdrawals, after a minimum of 10 years (on the Target Value Date). Lock in the highest annual contract value On the rider anniversary, the contract value is locked in if it s higher than the previously locked-in value, subject to vesting. Money credited to the contract On the last business day before each Target Value Date, money will be added to the contract value to equal the Target Value (the greater of the purchase payments adjusted for withdrawals or 100% of the Rider Anniversary Value). Access to the contract value Once the money has been added to the contract value, your clients can access the entire contract value. On and after the Target Value Date, the contract value will be subject to market fluctuations. For more details on this benefit, please refer to the product profile. P VSN-089
2 Example: Gains locked in automatically with the Rider Anniversary Value These hypothetical examples are provided to show how the Rider Anniversary Value is locked in and then how money is credited on the last business day before the Target Value Date. On and after the Target Value Date, the contract value will be subject to market fluctuations. These examples do not predict or project the actual performance of Allianz Vision SM Variable Annuity or its investment options. These examples assume you select the Investment Protector at issue and take no withdrawals before the initial Target Value Date. Build it. Principal protection combined with the opportunity to lock in the Rider Anniversary Value can help your clients add a level of certainty to your retirement goals. Protect your purchase payments while locking in gains. Rider Anniversary Value after 8 th anniversary Rider Anniversary Value after 4 th anniversary Rider Anniversary Value after 1 st anniversary Purchase payment Original Target Value Years Initial Target Value Date
3 Example: Money credited to the contract to equal the Target Value Use it. Your clients have the flexibility to retire with choices and use their assets for a specific goal. Money added to the contract value to equal the Target Value, which is the greater of 100% of the locked-in Rider Anniversary Value or the purchase payments adjusted for withdrawals. Target Value Money credited to your contract Contract value Purchase payment Years Initial Target Value Date Your clients will have the following options once money has been added to their contract value: Keep the Investment Protector working Create a retirement income stream Access their money
4 Design a portfolio that s aligned with your client s retirement goals. Now may be the time to uncover opportunities with clients and invest a portion of their assets in Allianz Vision SM Variable Annuity with the optional Investment Protector rider. With access to 14 well-known money managers, you and your clients can design a portfolio from a diverse selection of investment options. Investment Protector is subject to quarterly rebalancing and asset allocation restrictions will apply that become more conservative over time, and if the contract value is less than the Target Value. Familiar names in the industry For more complete information about Allianz variable annuities and variable investment options, call Allianz Life Financial Services, LLC at for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and the variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money. 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 All contract and rider guarantees, including optional benefits and any fixed crediting rates or fixed annuity payout rates, are backed by the claims-paying ability of Allianz Life Insurance Company of North America. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Allianz Life Insurance Company of North America. 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 and distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN
5 The strength of Allianz: A strong balance sheet, strong ratings, and strong risk management. Any financial product is only as strong as the company behind it. And as a leading provider of retirement and protection solutions, Allianz Life Insurance Company of North America (Allianz Life ) has the strength and stability to remain true to our promises. We serve over 2.2 million contract owners of wealth management products that include fixed and variable annuities, and universal life insurance. Founded in 1896, Allianz Life provides innovative financial solutions for wealth accumulation, predictable retirement income, and protection of assets. We re part of a global financial powerhouse. Our parent company, Allianz SE, serves over 75 million customers in 70 countries, and is the world s: 27 th largest company 1 3 rd largest money manager 2 3 rd largest company in the diversified insurance industry, based on sales 3 3 rd largest company in the diversified insurance industry, based on assets 3 We have a conservative investment management philosophy designed to weather all market conditions and achieve long-term results. We have extensive in-house risk management capabilities. By monitoring and controlling risks in real time, we have the potential to hedge against both general market turbulence and financial crises. We re part of the Allianz SE family of companies in North America, including: Allianz Global Investors, a network of companies that includes PIMCO, one of the world s leading fixed-income money managers Fireman s Fund, a premier property and casualty insurance company for more than 140 years We maintain substantial cash reserves and a strong operating margin. ALLIANZ LIFE ALLIANZ SE 2011 (USD in millions) 2011 (Euros in billions) Statutory premium 4 10,846 Total revenue Total assets 5 107,052 Total assets Total liabilities 5 98,817 Total liabilities Total equity 5 8,235 Total equity Total revenues include statutory gross premiums written in property-casualty and life/heath, operating revenues in asset management, and total revenues in corporate and other (banking). 5 Balance sheet numbers reported as of 12/31/11 and are based on International Financial Reporting Standards (IFRS). Allianz Life Insurance Company of North America is a subsidiary of Allianz SE. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Allianz Life is proud of our high ratings from independent rating agencies reflecting our stability, integrity, and strong balance sheet. For a history of our financial ratings, visit RATING AGENCY A.M. BEST 6 STANDARD & POOR S 7 MOODY S 8 CURRENT RATING A Excellent AA Very Strong A2 Good 6 The A.M. Best rating of A (Excellent) is the 3 rd highest of 16 possible ratings, and was affirmed June The Standard & Poor s rating of AA (Very Strong) is the 3 rd highest of 21 possible ratings, and was affirmed January The Moody s rating of A2 (Good) is the 6 th highest of 21 possible ratings, and was affirmed February These independent agency ratings are based on an analysis of financial results and an evaluation of management objectives and strategies. The ratings do not pertain to the variable investment options, which fluctuate with market conditions. The ratings do not indicate approval by the analysts and are subject to change. For a full description of how rating categories are assigned, please refer to these rating agencies websites: Fortune Global 500, Fortune, July 25, Fortune s ranking is based on revenue. 2 The P&I Towers/Watson World 500: The World s Largest Money Managers, Pensions & Investments, October 31, 2011 ( Ranked by total assets under management. 3 Data from Forbes Global 2000: The World s Biggest Public Companies, Forbes, April 20, 2011.
6 Allianz Vision SM Variable Annuity Minimum purchase payment Initial: $10,000 qualified and nonqualified Subsequent: $50 Issue ages 0-80 Contract Base Bonus Withdrawal charge (for each purchase payment) Mortality and expense risk charge and contract maintenance charge Bonus As with all bonus variable annuities, please understand that they may carry higher fees and charges than variable annuities without the bonus feature. 7 years (8.5%, 8.5%, 7.5%, 6.5%, 5.0%, 4.0%, 3.0%, 0%) 1.40% $50 annually (waived for contract values of $100,000 or more) N/A 9 years (8.5%, 8.5%, 8.5%, 8.0%, 7.0%, 6.0%, 5.0%, 4.0%, 3.0%, 0%) 1.70% $50 annually (waived for contract values of $100,000 or more) 6% on all purchase payments received before the older owner s 81 st birthday. Bonus vesting schedule completed # of years since receipt of purchase payments. Years Vesting 0% 35% 70% 100% Death benefit Investment options Annual operating expense of investment options Payout options Choose between two death benefits. The Quarterly Value Death Benefit is available for an additional 0.30% M&E charge. In order to select the optional Quarterly Value Death Benefit, the client must also select either the optional Income Focus, Income Protector, or Investment Protector rider at issue. Several investment options from more than 10 highly respected money managers. If the Investment Protector is selected, allocation rules apply and we will automatically rebalance clients assets every quarter based on the most recent allocation instructions for future purchase payments. Minimum Maximum Expenses shown are before fee waivers and expense reimbursements. 0.52% 1.73% Life Joint and last survivor Refund life Life with period certain Joint and last survivor with period certain Optional Investment Protector rider Issue age 0-80 Rider charge Purchase payments Selecting a Target Value Date and establishing a Target Value Current charge at issue is 0.95%. Minimum rider charge is 0.35%. Maximum charge is 2.50%. Charge is a percentage of the Target Value (deducted quarterly) and is subject to change on each quarterly anniversary, but will never be less than the minimum or greater than the maximum. The rider charge cannot increase/decrease more than 0.35% in any 12-month period. Allowed during the first three years (including Automatic Investment Plan), subject to maximum contribution limits Target Value Date The client selects the Initial Target Value Date at the time they add the Investment Protector to their contract. The earliest date they can select is 10 years after they add the rider. The latest date they can select is the rider anniversary before the older owner s 91 st birthday. Additional Target Value Dates will occur every fifth rider anniversary after the initial Target Value Date. Target Value The guaranteed amount available on the last business day before each Target Value Date. If selected at issue, this is guaranteed to be the greater of the purchase payments adjusted for withdrawals or 100% of the Rider Anniversary Value (withdrawals include partial annuitization and any withdrawal charges). In between these times, clients will have access to their contract value, which is subject to market fluctuations. Rider Anniversary Value On each rider anniversary, the current contract value is automatically locked in, subject to vesting, if it s higher than the previously locked-in value. The contract value may be higher between rider anniversary dates but will not be locked in. Once the Rider Anniversary Value is established, it can never decrease, unless the client takes a withdrawal. Increase to contract value If on the last business day before any Target Value Date, the contract value is lower than the Target Value that was locked in on a prior rider anniversary, we will add money to the contract to equal the Target Value. Reset the initial Target Value Date The client can request a reset within 30 days following any rider anniversary prior to age 81, and before the initial Target Value Date, as long as the contract value is at least equal to the current Target Value. The client can choose any initial Target Value Date as long as it s a rider anniversary at least 10 years from the reset anniversary and no later than the rider anniversary before the older owner s 91 st birthday. L40529, L40530
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