Allianz Life Luxembourg Completely personalised European life-insurance
All the know-how of a large group at the service of each investor
Allianz Life Luxembourg, a Luxembourg life insurance company Specialist in sophisticated bankassurance products, Allianz Life Luxembourg is ready to meet every investor s specific needs. Allianz Life Luxembourg is wholly owned by Europe s largest insurance group, Allianz SE (the top European company in the DJ Euro Stoxx 50). The strength of our group in a few key figures: Allianz SE: 1,359 billion under management at end-2007, more than 102.6 billion in turnover in 2007, and an AA rating from S&P. Allianz Belgium: 6.8 billion under management at end-2007, and 2007 turnover of 1.44 billion. Allianz Life Luxembourg: with almost 270 million in euro-denominated assets under management, we offer performance that is clearly superior to the market. In this very favourable context, Allianz Life Luxembourg provides the ideal platform to safeguard, diversify and optimise management of your capital, under a specially arranged contract for life insurance, or capitalisation. Allianz SE 100% AGF 100% AGF International 100% Allianz Belgium 100% Allianz Life Luxembourg 100% Allianz Life Luxembourg Succursale France in a completely secure technical, financial, legal and tax environment.
AGF Belgium 100% AGF Life Luxembourg Luxembourg: Europe s leading financial AGF Life Luxembourg centre French Branch Office
Allianz Life Luxembourg s strategic geographic positioning Luxembourg: Europe s leading financial centre With more than 2,300 UCITS funds, more than 8,400 sub-funds, and over 2,012 billion in assets under management at end-2007, Luxembourg occupies the leading place in Europe (and second place worldwide, after the USA), ahead of France in UCITS and even further ahead of its other competitors, thanks in part to innovative, flexible legislation. 158 banks with nearly 25,800 employees at 30 th September 2007. 95 insurance companies at end- 2007. Considerable international life insurance development thanks to the freedom-of-services provisions introduced by European Directives since 1990. Complete confidentiality is legally guaranteed and strictly regulated, notably with regard to money laundering. 200 financial sector professionals (investment managers, distributors, etc.) with more than 10,000 employees at end-2007. Luxembourg: a first-class financial centre for wealth management, particularly for residents of the European Union The process that led our founders to create a subsidiary specialising in implementing tailored life insurance and capitalisation products in Luxembourg rather than in another financial centre should be followed by each investor in order to take advantage of the best technical, financial, legal and prudential conditions.
Gilt-edged life-insurance
The business of Allianz Life Luxembourg Allianz Life Luxembourg is a classic life insurance company that has succeeded at developing and expanding into giltedged life insurance. Life insurance is the primary tool of money management and wealth transfer. To develop this wealth management tool, Allianz Life Luxembourg has developed two product families, available in units of account: Free Provision of Services products Free dom-of-establishment products Allianz Life Luxembourg markets life insurance and capitalisation products in Luxembourg under the freedom-of-services provisions in conformity with the Community Regulations. The freedom-of-establishment product enables you to subscribe life insurance policies from our French branch office, established in 2004, in compliance with EU Directives. At the same time, Allianz Life Luxembourg continues to offer a range of traditional life insurance products and social benefits cover intended primarily for the local market, including mixed life insurance, life insurance with variable or fixed capital, insurance for juniors, disability insurance, tax deductible and non-deductible supplementary pensions, etc.
Focus on personalised service
Allianz Life Luxembourg: its offer For sophisticated investors seeking maximum freedom Whatever your profile as an investor, we offer a broad array of funds enabling you, with the help of your advisor, to determine your own asset allocation and to manage your portfolio in complete freedom. Allianz Life Luxembourg offers you: The expertise of more than 40 fund managers who provide access to thousands of investment vehicles. Varied investment vehicles denominated in EUR, USD, CHF, JPY, GBP, and more. formula funds (guaranteed capital) profiled funds hedge funds funds that invest in international equities or specialise by region or sector international bond funds and bond funds that specialise by region or management style money market funds euro-currency funds. Performances of our assets in euros Year Net rate 1995 7.25% 1996 6.75% 1997 6.50% 1998 5.75% 1999 5.50% 2000 5.15% 2001 4.85% 2002 4.55% 2003 4.35% 2004 4.35% 2005 4.35% 2006 4.35% 2007 4.35% For investors who want to provide for their families To help you to manage your assets, our life insurance contracts may be combined with an additional guarantee in case of death, in order to protect your family to the fullest extent possible. This optional death cover may be fixed, variable or indexed, is linked to the financial management of the policy, and provides for an additional minimum or lump sum benefit in the event of death.
Flexibility to ensure top quality service
Allianz Life Luxembourg: its personalised management For investors who desire profiled management, Allianz Life Luxembourg offers the services of financial specialists. According to your investment objectives and the degree of personalisation you seek, you may opt for: Collective internal funds or your dedicated fund Collective internal funds Your agent and your specific requirements will guide the choice of collective internal funds with varying investment profiles and time horizons, in addition to the thousands of other available funds. Your dedicated fund An investment tool designed to meet the every investor, offering individual choice international listed securities and/or UC Fund management is entrusted to prestigious investment managers. You have complete freedom to choose your own investment manager to manage your contract within the framework of an investment mandate.
A unique solution for investors domiciled in France
Allianz Life Luxembourg s French branch office The ideal platform for investors domiciled in France In order to enable investors domiciled in France to confidently access Luxembourg s technical expertise in life insurance products designated in units of account while complying with the French regulatory and tax framework, Allianz Life Luxembourg has established a French branch office and created a specific product. A product designed to comply with Community, Luxembourg and French regulations. Allianz Life Luxembourg was the first Luxembourg-based life insurance company to develop a product offering French residents: total legal and tax certainty, The French branch office: a major strength Satisfies Community, French and Luxembourg lifeinsurance and capitalisation requirements. Uses all the opportunities provided by European Directives since 1992, which are highly developed in Luxembourg. Offers a product under the freedom-of-establishment principle, providing the same privileges as policies marketed by French companies but combined with Luxembourg technical expertise and experience. the competitive advantages of products from Luxembourg, dedicated funds and collective internal funds known as reference instruments, particularly: tailor-made, service, personalised support based on state-ofthe-art technologies giving customers and partners anywhere in the world permanent online access to their positions and contract performances.
A site that helps you to keep on top of your portfolio www.allianz.lu www.allianz.lu www.allianz.lu www.allianz.lu
Allianz Life Luxembourg s web site Much more than just a site, ours is a truly interactive tool for monitoring your contracts and portfolios Our website has two parts: a public space, accessible to all, packed with helpful information. a private, personalised space where you can view your contracts. With your login and password, you can view all the changes in your contract since you subscribed. You can follow and analyse your contract: Your contract is updated weekly looking at your portfolio of funds line by line, or as a dynamic graph that changes with the portfolio
Professional analysis tools for your contracts To help you to follow your portfolio in a professional, personalised way, we offer you a special tool dynamic graph analysis. You can decide how to view your portfolio s asset breakdown by asset class or category by fund manager by currencies
To help you to make your investments, decide on the makeup of your portfolio or switch, complete, detailed information about the funds is available to any holder of a life insurance or capitalisation contract. This information is a valuable guide for the investor: traditional information about the funds, information about management, performance, volatility, etc. and a summary of investment limits for asset allocation by investor s country of residence. Similarly, we provide an asset allocation matrix in EUR or USD to help you to select the best funds on the market. This tool is updated monthly, to keep you close to financial market trends. www.allianz.lu www.allianz.lu www.allianz.lu www.allianz.lu
Allianz Group Worldwide Allianz Global Investors is the world s fifthlargest asset manager, with 991 billion under management at 30 th June 2007. Allianz SE is the world s fifth-largest private investor, with 1,319 billion under management at 30 th June 2007. PIMCO is the world s largest fixed-income manager, with $655 billion under management at 30 th June 2007.
Allianz Life Luxembourg A Luxembourg platform offering a range of expertise and individually tailored investment products Access to the world s top investment expertise through Allianz Group
Headquarters Register of Companies 37619 French Branch Office Paris Register of Companies 451 979 892 14 boulevard Roosevelt VAT: LU 17832962 87 rue de Richelieu L-2450 Luxembourg Case courrier B601 Tel.: (+352) 47 23 46 1 F-75113 Paris cedex 02 Fax: (+352) 47 23 46 235 Tel.: (+33) 1 44 86 48 00 www.allianz.lu Fax: (+33) 1 44 86 48 01 V-032008