Consumer studies and marketing tools

Transcription

1 Advanced Markets Consumer studies and marketing tools (1/2013) With knowledge comes selling power The more you understand your clients, the more effectively you can market to them. One of the ways that Allianz Life Insurance Company of North America (Allianz) helps you grow your business is by giving you insight into the beliefs, needs, and motivations of consumers at key points in their lives. That s why we ve initiated several proprietary studies of consumers relating to financial decisions they face at various life stages and then used our findings to create impactful presentations and marketing materials. These resources will help you build lasting client relationships in three ways: Find new clients. Learn how to tap new markets, find viable prospects, and win new clients by addressing critical life events. Reach the next level. Get practical support with professionally prepared client presentations and checklists, and other tools to guide you through the selling process. Need answers? Need ideas? Need support? WE RE HERE TO HEL. Expand your influence. Strengthen your relationships with existing clients by better understanding and helping (with the guidance of a qualified tax advisor or attorney) with their financial planning, tax planning, and estate planning strategies. ENT-1420 = roducer piece age 1 of 8 1

2 ENT-1363-N ENT-1340-N Clarity Comfort Cost of living Certainty (R-8/2012) ENT-1349-N A framework for successful retirement income strategies Learn more about the 4 C s, and how they can benefit your clients and your practice. Retirement looks and feels very different today than it [Call the FASTeam at did for previous generations. Today, it s important to have ( in New a strategy not only for accumulation and income, but for York) or the Sales the pre-retirement transitional phase as well. Desk at for more information and support The 4 C s can help. materials.] By providing a simple framework for retirement income strategies, the 4 C s can help you: discuss this complex topic more easily with your clients; explain the importance of clarity, comfort, cost of living, and certainty; and SM systematically identify your clients needs and wants. 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 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. roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Only is authorized to offer annuities and life insurance in the state of New York. Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN ENT-1358-N roducts and feature availability may vary by state and broker/dealer. Tools for building clients The 4 C s SM A new way to approach income planning strategies. The 4 C s break down the critical retirement questions into easy-to-understand phases clarity, comfort, cost of living, and certainty to help you offer appropriate solutions. SM The 4 C s : A new framework for retirement An exclusive interactive experience ENT-1368-N The 4 C s interactive experience promotional mailer (ENT-1368-N) Send clients and prospects to our special website where they ll learn about the 4 C s by answering four quick questions about retirement income planning issues; mailer includes a QR code for smart phones. A framework for your retirement income strategies Introducing the 4 C s SM The 4 C s framework for retirement income strategies consumer brochure (ENT-1349-N) A short, easy-to-understand introduction to each of the 4 C s, their implications, and the need for a new approach to retirement income planning. The 4 C s of successful retirement income strategies white paper (ENT-1340-N) Gary C. Bhojwani, chairman of, lays out the major issues facing boomers approaching retirement and introduces the 4 C s framework in this authoritative report. Understanding the impact of your sequence of returns (ENT-1363-N) An interactive brochure on how the year-by-year order of market returns that assets receive during retirement can greatly impact how long money lasts; also discusses strategies to help mitigate the risk. The 4 C s program promotional flyer (ENT-1358-N) A one-page introduction to the need for a new retirement planning framework and how it can help you better prepare your clients for the retirement income they ll need. erspectives ENT-1349-N The 4 C s of successful retirement income strategies by Gary C. Bhojwani ENT-1340-N Understanding the impact of your sequence of returns rotecting your assets during the retirement income phase ENT-1363-N To learn more about the 4 C s and related sales tools: Call the FASTeam at or the Sales Desk at and online at Help your clients transition from accumulation to income. Introducing SM the 4 C s ENT-1358-N = roducer piece age 2 of 8

3 Join us for a discussion of values and wishes, goals and dreams. Too often, the question of What s most important to us? goes unanswered in families. This seminar can help you get started. You ll learn: Why your legacy is more than just money How the four pillars of leaving a legacy include everything from family traditions to personal possessions What is your unique legacy [Date] [Time] [Location] Call me today to register space is limited [Address] [Company] ENT-168-N Allianz (R-7/2012) ENT-196-N Allianz Family Legacies Not FDIC insured May lose value No bank or credit union guarantee Not a deposit Not insured by any federal governmentagency or NCUA/NCUSIF 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. roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Only is authorized to offer annuities and life insurance in the state of New York. Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN This is designed to provide general information on the subjects covered. ursuant to IRS Circular 230, it is not however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. lease note that Allianz Life Insurance Company of North America,, their affiliated companies, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. ENT-198-N (R-12/2012) Allianz Family Legacies Discuss each family member s hopes and key issues now and help reduce potential conflicts and distress later on. Your family legacy is much more than just the money you leave behind. It covers all facets of your life that you wish Too often, the question of to pass on to succeeding generations, from family traditions, history, values, and wishes to financial inheritance. What s most important to us? goes unanswered The subject of family legacy is a complex and emotional topic, as it requires family members to engage in deep in families. and meaningful discussions. However, families who have engaged in creating a legacy report that the process is fulfilling for everyone involved. There is a sense of relief and comfort in knowing everyone in the family understands each other s priorities and issues. The best way to begin your legacy conversation is by exploring each of the four pillars of family legacies. The more of this questionnaire you can answer, the more effectively your financial professional can help you create your legacy strategy. Tips for your family discussions Include all four pillars of legacy in your discussions. Too often families talk about only some of the family legacy they want to carry on. Begin the family legacy conversation by talking about values and life lessons. This discussion will help bring the family together about what is important to everyone. Ask for everyone s legacy priorities in the conversation. You may be surprised at what other family members feel is most important. Try not to wait until an illness or health scare occurs to begin your legacy conversation. Emotions and sensitivities run high at these times. Choose a time when all family members can gather together. Be creative in communicating your legacy priorities. For example, create a video in which parents talk about life experiences and values; write a journal about the important components of your family legacy; or compile a scrapbook or photo album of the memories you d like carried on by future generations. Financial planning services may be offered only by financial professionals who are properly registered under the Investment Advisers Act of 1940 and are available at an additional cost. ENT-163-N (R-10/2012) To help you get the most out of this seminar, some optional participant activities are included. As we walk through this information, please record the insights you gain that may be useful to you and your family. At a few points in the seminar, we will give you additional time to discuss and take notes on particular topics. The legacy Meeting Guide Checklist is a tool to help financial professionals plan a series of legacy meetings, including the objective, approach, agenda, and action items for each meeting. Meeting 1: Introduce legacy strategies to client Action items: Objective: Ensure that the client has a clear Introduce the concept of legacy to the client understanding of the benefits of in order to assess overall needs. planning a legacy. Approach: Ensure that the client has a clear understanding of the four pillars Engage existing client in thinking about the of legacy. concept of legacy. Incorporate themes from the Allianz American Set a follow-up meeting with the Legacies Study. client in weeks. Use the family talking points (ENT-163-N) to further discuss and prioritize the four pillars of legacy. Agenda: Review client information, family information, and life-stage updates. Discuss legacy concepts. Review action items and wrap up meeting. Financial planning services may be offered only by financial professionals who are properly registered under the Investment Advisers Act of 1940 and are available at an additional cost. ENT-1392-N (10/2012) Allianz Family Legacies Family Legacy Seminar lanning and providing for your legacy Based on an extensive examination of intergenerational wealth transfer dynamics, this program will show you how to build relationships with clients that can continue into the next generation. Allianz Family Legacies client presentation (ENT-200-N) This one-hour presentation introduces your clients to the concept of family legacies and shows them how you act as their legacy coach. Allianz Family Legacies client (ENT-198-N) A DF-format with customizable fields to personalize with your message and information. Attach it to an or print it out and mail to prospects. (Use with presentation ENT-200-N) Allianz Family Legacies client brochure (ENT-168-N) Help clients understand the five key areas of family legacies, and begin family discussions. Based on findings from American Legacies Study and the recent Allianz American Legacies ulse Survey update. Allianz Family Legacies family talking points (ENT-163-N) rovide these points to your clients to help them communicate with their families about legacy issues. The talking points help to ensure that each family member s wishes, hopes, fears, and key issues are discussed. ENT-200-N ENT-168-N Family Legacies ENT-198-N Allianz Family Legacies A discussion of values and wishes, goals and dreams ENT-163-N Discovery Journal The four pillars of your legacy A questionnaire to get everyone on the same page Allianz Family Legacies Discovery Journal (ENT-196-N) Encourage clients to record their insights and thoughts during the legacy seminar exercises; includes an evaluation form that will gather client contact information you can use for follow-up opportunities. Legacy Meeting Guide Checklist (ENT-1392-N) A guide to assist you in legacy discussions with your client and provide next steps and follow-up details for your next meeting. ENT-196-N Meeting Guide Checklist ENT-1392-N To learn more about the Allianz Family Legacies program and related sales tools: Call the Sales Desk at or the FASTeam at = roducer piece 1 age 3 of 8

4 ENT-993 ENT-1093 ENT-1057 ENT-1194 ENT-991 ENT-1272 The gap: What consumers want and what financial professionals are providing Reclaiming the Future Study The new Allianz Reclaiming the Future Study is an extensive exploration of how boomers are planning for retirement. Join me for an exclusive workshop and learn about the study s key findings, including insights into: Americans attitudes toward the retirement crisis Five distinct financial personalities Financial solutions that are gaining relevance and appeal Then, find out what these findings may mean to you, and to your own readiness for retirement. Reclaiming the Future Study [Month, date, year] [Time of seminar] [Seminar location information] [Financial professional address] [Company name] [Company disclaimer area (multi-line)] [State insurance license number] roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN w ww.allianzlife.com. In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Only Allianz Life Insurance Company of New York is authorized to offer annuities and life insurance in the state of New York. Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 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 roduct and feature availability may vary by state. ENT-1001-N (R-12/2011) Tools for building clients Reclaiming the Future Study Executive Summary White aper Retirement in America is changing is your practice keeping up? Based on a nationwide survey of boomer retirement expectations, this program can help you better position Allianz retirement solutions. ENT-993 ENT-991 Reclaiming the Future Study executive summary (ENT-993) This summary is a brief recap of the parameters of Reclaiming the Future Study and an overview of its key findings. The Five Financial ersonalities White aper Discoveries white paper (ENT-991) An in-depth look at the key findings of Reclaiming the Future Study. ENT-1093 One year later: How much have consumer attitudes changed? The Five Financial ersonalities White aper (ENT-1093) A deep dive into the personalities discovered in Reclaiming the Future Study, for a better understanding of what drives consumer behaviors regarding retirement. ENT-1272 Reclaiming the Future Study: One year later (ulse Survey) (ENT-1272) How did the 2008 financial crisis affect (or not affect) what Americans thought about retirement, retirement planning, and annuities? Find out in this update. The gap white paper (ENT-1194) What consumers want from financial professionals is quite different what financial professionals are providing. See where the gap exists in this in-depth look based on our recent ulse Survey. ENT-1194 White aper Reclaiming the Future Study Is your financial future on the right track? Reclaiming the Future Study consumer brochure (ENT-1057) This brochure walks clients through the findings from Reclaiming the Future Study and helps to position annuities as potential retirement solutions. ENT-1057 The Hope Ahead client presentation (ENT-1067-N) Your clients are not alone in their attitudes toward retirement. This presentation, based on Reclaiming the Future Study, will help them see there are retirement solutions for each financial personality. Retirement in America may never be the same The Hope Ahead workshop client (ENT-1001-N) A customizable for clients and prospects, announcing your presentation of insights from Reclaiming the Future Study. (Use for presentation ENT-1067-N.) ENT-1067-N How prepared are you for retirement? ENT-1001-N 2 = roducer piece age 4 of 8

5 Reclaiming the Future Study ENT-1039 (R-12/2011) This questionnaire is designed to help you identify your fi nancial personality as it relates to retirement planning. Understanding your general concerns will help your fi nancial professional develop a personalized long-term retirement strategy that may be suitable for your needs. lease take your time to carefully consider and answer the following questions. Somewhat Strongly Strongly agree Somewhat agree Neutral disagree disagree 5 points 4 points 3 points 2 points 1 point Fill in your response to each statement. Note In terms of my finances, I feel fully prepared for retirement. how many points each response is worth. Then, total your points for all I am 100% certain that my sources of income will last my entire lifetime. eight questions and use the chart below to I don t worry about outliving my income in retirement. DETERMINE YOUR FINANCIAL The idea of providing for myself and my family in retirement is not overwhelming. ERSONALITY. I feel confident that I will be able to retire, and I know approximately when that will be. I will be able to maintain my desired lifestyle in retirement. I am comfortable paying my bills and am planning for retirement. I am comfortable taking some financial risks because I can afford to. Total points What s your financial personality? Savvy points Distracted points Iconic points Overwhelmed 8-10 points Resilient points ENT-1036 Investable assets (median) $40,000 Net worth (median) $167,000 Median age 52 % working 85 % annuity owners 7 ENT-1138-A roduct and feature availability may vary by state. ENT-1056 Reclaiming the Future Study (R-12/2011) Financially speaking, I am pretty much in survival mode. The Overwhelmed personality makes up 32% of the respondents surveyed in June 2010 in Reclaiming the Future Study and is the smallest in annuity ownership at 7%. Ironically, they could potentially benefit the most from annuities and the protection they offer. But their plan usually consists of working longer, reducing living expenses, and depending on Social Security. Further, 55% have or expect to receive a pension. Working with an Overwhelmed personality: May involve breaking down complex financial solutions Having an approachable, down-to-earth demeanor They tend to have the lowest level of education and the highest level of credit card debt Overwhelmeds generally prefer: Safety, simplicity, and liquidity with their money Financial professionals who build trust, are nonjudgmental, and show a willingness to help The use of layperson terminology To find the right financial solution: Explore their fears and irrational beliefs related to finances Equip them with the knowledge to assess their situation more accurately Show them how annuities are not just for rich people Reclaiming the Future Study (continued) Financial personality worksheet Determine your financial behavior type. Financial personality client worksheet (ENT-1039) A series of questions to help determine your client s financial personality as it relates to retirement planning; and to guide you in developing a personalized long-term retirement strategy for that client s needs. ENT-1039 Reclaiming the Future Study results presentation (ENT-999) This presentation offers key insights from Reclaiming the Future Study, along with more detailed breakdowns of survey responses. (Invitation for this presentation: ENT-1001-N.) ENT-999 Younger boomer white paper (ENT-1036) Do you truly understand the financial concerns of younger boomers? With detailed findings specific to the demographic, this white paper can help assist you when handling young boomer clients. Younger Boomers erceptions White aper Financial personality snapshots (ENT-1138) (DF only) This grouping of the five financial personalities gives you a succinct overview of the key facts to know when preparing financial strategies for clients in each personality group. ENT-1036 roducer communication guide (ENT-1056) Use this guide to understand your clients fears, motivations, and values regarding retirement, and leverage this understanding into building stronger and more suitable strategies. The Five Financial ersonalities presentation (ENT-1106-N) A presentation for producers on the five financial personalities and their differences in consumer attitudes and behaviors toward retirement. (Invitation for this presentation: ENT-1001-N.) Overwhelmed ENT-1138 Communicate effectively with your boomer client Reclaiming the Future Study To learn more about Reclaiming the Future Study and related sales tools: Call the Sales Desk at or the FASTeam at and online at ENT-1056 ENT-1106-N = roducer piece 3 age 5 of 8

6 ENT-321 ower study ENT-322 ower Study and ower seminar [Month, date, year] [Time of seminar] [Seminar location information] [Financial professional address] [Company name] (R-8/2011) Better planning starts with better knowledge of you This questionnaire was designed to help you identify your financial personality. Understanding your particular needs also will allow your financial professional to better understand you, and in turn, better understand your decision-making process and personal approach to planning for your financial future. lease take your time and carefully answer each of the following eight questions. Using the following scale how much do you agree or disagree with the following statements? Strongly agree Somewhat agree Neutral Somewhat disagree Strongly disagree 5 points 4 points 3 points 2 points 1 point I feel I am confident when it comes to managing money and investing. I feel I have adequately planned for retirement savings/security. I feel I am educated when it comes to managing money and investing. I feel I have sufficient knowledge about money and investing, and I am very involved in the management of my long-term savings and investments. I feel I am clear about my financial goals and my plans to achieve them. I feel I am highly responsible and take initiative when it comes to money and investing. It is very important to me that I always have a complete understanding of my household financial situation. When in a relationship, I like to collaborate with my partner in financial decisions. Total points Financial personality Total points ENT-364 Financial initiator Financial analyzer Financial collaborator Financial avoider Financial dreamer Register now and take control of your financial future Attend this complimentary seminar and insurance sales presentation and learn how to empower your hidden financial personality. Learn why you need a financial strategy Understand who you are financially Five financial personality types Life-defining events The Sandwich Generation Take the first steps [Company disclaimer area (multi-line)] [State insurance license number] lease note that the issuing company, its affiliates, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN Only is authorized to offer annuities and life insurance in the state of New York. 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 ENT-382-N (R-3/2012) To help you get the most out of this seminar, some optional participant activities are included. As we walk through this information, please make note of any insights you gain that may be useful to you. These insights could be ideas, questions, or even concerns. At a few points in the seminar, we will stop to give you time to discuss and take notes on particular topics. There is plenty of space in this journal for any notes you wish to take. ower Study Women in Transition seminar for widows [Month, date, year] [Time of seminar] [Seminar location information] [Financial professional address] [Company name] Strategies to help build your financial future Along with the emotional hardship, losing a spouse can present other challenges, including how to manage your financial future. At this informative Women in Transition seminar, we ll discuss: Understanding your new financial situation Important financial considerations you may need to address Next steps to help you take control of your financial life lease call or me today to reserve your space the seminar is free, but seating is limited. Don t miss out on the opportunity to share with others in your situation and gain confidence in your ability to manage your financial future. [Company disclaimer area (multi-line)] [State insurance license number] lease note that the issuing company, its affiliates, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN Only is authorized to offer annuities and life insurance in the state of New York. 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 ENT-923-N (R-3/2012) Tools for building clients and ower Learn to make the most of this important market. Our study of the unique financial concerns of women is the basis of this complete program for working more effectively with female clients. Financially smart, financially strong and ower Study ENT-321 and ower consumer brochure (ENT-321) The issues specific to women and money, including life events, communication style, and more. Help clients better understand their financial role and show them how to begin taking the next step forward. ENT-374-N and ower workshop and ower Study client presentation (ENT-374-N) A seminar for women prospects, to help them better understand their financial picture and their financial personality, and to help them take control of their financial future. and ower client invite (ENT-382-N) A DF for inviting women to your seminar on taking control of their financial future. Simply attach to an with your seminar details. (Use with presentation ENT-374-N) Know your and ower financial personality ENT-382-N Women s Financial ersonality client worksheet (ENT-322) Is your female client a financial initiator or a financial dreamer? Give her the questionnaire on this worksheet and help her identify her financial personality and distinct financial behaviors. ENT-322 Women s Discovery Journal (ENT-364) A companion journal for seminar attendees, for recording financial challenges, communication style, goals, and concerns; includes an to meet with you to explore financial options. Women in Transition: Financial strategies for widows client presentation (ENT-852-N) Help recently widowed clients understand crucial elements for their financial futures; includes a discussion of documents and strategies your clients can use to start moving forward and take control of their financial lives. ENT-364 Discovery Journal Women in Transition: Financial strategies for widows client (ENT-923-N) Invite recently widowed clients to a workshop that will help teach them how to manage their financial future. Fill in the details of this customizable DF and attach to your . (Use with presentation ENT-852-N.) ENT-852-N and ower seminar for widows ENT-923-N 4 = roducer piece age 6 of 8

7 Women in Transition (R-8/2011) Complete the checklist items that apply to you and your situation. Take time to consult with the appropriate professionals for assistance and guidance. This checklist does not represent the order in which to address these issues; it is only a preliminary guide and is not intended to be a comprehensive list of things to consider. Getting organized Document your team of consultants. Include their names and phone numbers. Executor/successor trustee Attorney Accountant Banker Stockbroker Insurance agent Other Obtain several death certificate copies (12 to 24) from the mortuary or your local department of health. You will need to send them to credit card, mortgage, and other companies or agencies to confirm the death of your spouse. Some companies/agencies will require a certified copy. Retitle assets, including real estate and other property held jointly with right of survivorship. Document the assistance you need for ongoing chores, such as transportation, bill paying, shopping, housecleaning, appointments, etc. Notify your financial professional of those needs. Financial professional Notify your financial professional of adult children who provide guidance to you. Include their name(s) and phone numbers(s). Change joint bank, mutual fund, and brokerage accounts into your name. Review all investments to make sure they meet your specific needs. Complete the ersonal Financial Inventory provided by Allianz (AMK-024a/b or M-5153). Complete the Beneficiary review booklet provided by Allianz (AMK-021). Notify your financial professional of any charitable intentions. Legal Settle the estate. Establish a new power of attorney for yourself. Name a new health care agent within your health care directive. Create a new will and establish appropriate trusts. Review or establish health care directives. Review trust documents. ENT-860 Women in Transition (R-8/2011) ENT-859 Complete the checklist items that apply to you and your situation. Take time to consult with the appropriate professionals for assistance and guidance. This checklist does not represent the order in which to address these issues; it is only a preliminary guide and is not intended to be a comprehensive list of things to consider. Getting organized Document your team of consultants. Include their names and phone numbers. Attorney Accountant Banker Stockbroker Insurance agent Other Share immediate needs or concerns with your team of professional consultants. Make sure you have several copies of your Judgment or Decree and Marital Settlement Agreement. You may need them for any transfer of property, accounts, debts, etc. Retitle assets, including real estate and automobiles. Close and distribute all joint assets according to legal decree. Make name-change notifications. Financial professional Notify your financial professional of adult children who provide guidance to you. Include their name(s) and phone numbers(s). Review ownership and custodial responsibility of children s accounts. Review all investments to make sure they meet your specific needs. Complete the ersonal Financial Inventory provided by Allianz (AMK-024a/b or M-5153) Complete the Beneficiary review booklet provided by Allianz (AMK-021). roduct and feature availability may vary by state. ENT-324 ower Study Women in Transition seminar for divorcees [Month, date, year] [Time of seminar] [Seminar location information] [Financial professional address] [Company name] ower Study By attending this complimentary seminar and insurance sales presentation, you ll gain a better perspective on retirement and learn how you can prepare for your financial future. Join me for an exclusive workshop on financial strategies for women and you ll: Learn about factors that may impact your retirement Learn how you can overcome common financial missteps Discover 10 powerful retirement strategies Take the first steps toward a more empowered retirement [Rep name] [OSJ name] [Rep phone #] [OSJ phone #] [Broker/dealer and rep [OSJ address address (multi-line)] (multi-line)] [OSJ disclaimer area (multi-line)] roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Only is authorized to offer annuities and life insurance in the state of New York. Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN EGEN-1243-DF-N (12/2011) Strategies to help build your financial future Along with the emotional impact, divorce can present other challenges, including how to manage your financial future. At this informative Women in Transition seminar, we ll discuss: Understanding your new financial situation Important financial considerations you may need to address Next steps to help you take control of your financial life lease call or me today to reserve your space the seminar is free, but seating is limited. Don t miss out on the opportunity to share with others in your situation and gain confidence in your ability to manage your financial future. [Company disclaimer area (multi-line)] [State insurance license number] lease note that the issuing company, its affiliates, and their representatives and employees do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. roducts are issued by, 5701 Golden Hills Drive, Minneapolis, MN In New York, products are issued by, One Chase Manhattan laza, 38 th Floor, New York, NY Variable products are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN Only is authorized to offer annuities and life insurance in the state of New York. 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 ENT-924-N (R-3/2012) Learn how to protect and control your financial future owerful retirement strategies for women [Date] [Time] [Location (multi-line)] and ower (continued) Financial checklist for the recently widowed Women in Transition: Financial checklist for the recently widowed (ENT-860) A checklist to help your recently widowed clients identify important financial next steps, covering the many items they will need to consider in their new situation. ENT-860 Women in Transition: Financial Strategies for Divorcees client presentation (ENT-853-N) A presentation on financial strategies specific to divorcees, including common considerations, how to get financially organized, and steps to take toward gaining control of their financial future. ENT-853-N and ower seminar for divorcees Women in Transition: Financial Strategies for Divorcees client (ENT-924-N) Invite divorced clients to an exclusive workshop about their new financial situation. Simply customize the DF with your event details and attach to your . (Use with presentation ENT-853-N.) Women in Transition: Financial checklist for the recently divorced (ENT-859) Help your recently divorced clients get financially organized with this checklist; includes important financial items they will need to consider in their new situation. Financial checklist for the recently divorced ENT-924-N owerful Retirement Strategies for Women client presentation (ENT-1240-N) Common challenges and unique advantages woman may encounter as they plan for retirement, including 10 powerful strategies to consider in building a more financially secure future. ENT-859 owerful Retirement Strategies for Women client (EGEN-1243-DF-N) Invite women to a special seminar about the unique advantages and challenges they may encounter when planning for retirement. (Use with presentation ENT-1240-N) ENT-1240-N owerful retirement strategies for women and ower producer communication guide (ENT-324) Learn how to effectively communicate not only with women, but with each of the five distinct financial personalities identified by the study. EGEN-1243-DF-N To learn more about and ower Study and related sales tools: Call the Sales Desk at or the FASTeam at ower Study Help your clients find solutions that fit. ENT-324 = roducer piece age 7 of 8

8 True to our promises so you can be true to yours. A leading provider of annuities and life insurance, Allianz Life Insurance Company of North America (Allianz) bases each decision on a philosophy of being true: True to our strength as an important part of a leading global financial organization. True to our passion for making wise investment decisions. And true to the people we serve, each and every day. Through a line of innovative products and a network of trusted financial professionals, and with over 2.2 million contracts issued, Allianz helps millions of people as they seek to achieve their financial and retirement goals. Founded in 1896, Allianz is proud to play a vital role in the success of our global parent, Allianz SE, one of the world s largest financial services companies. While we pride ourselves on our financial strength, we re made of much more than our balance sheet. We believe in making a difference with our clients by being true to our commitments and keeping our promises. eople rely on Allianz today and count on us for tomorrow when they need us most. This document is designed to provide general information on the subjects covered. ursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. lease note that, its affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney. Guarantees are backed solely by the financial strength and claims-paying ability of. 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 roducts are issued by and variable products are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN age 8 of 8