Here's how a fixed annuity works:

An annuity is a contract between a contract owner and a life insurance company. The annuity's value is backed by the financial strength and claims-paying ability of the issuing insurance company.

Allianz Life Insurance Company of North America (Allianz) wants consumers who are considering our products to be fully informed and knowledgeable.

What are the benefits of fixed annuities?

Annuities offer benefits that help people establish a guaranteed retirement income stream. The wide range of annuity choices allows people to select those that are best suited to meet their financial goals. Fixed annuities protect the principal and offer minimum interest rate guarantees. Other annuities, such as fixed index annuities provide a combination of minimum interest rate guarantees and the potential for interest based on changes in a market index. Interest earned on a fixed index annuity is subject to a cap, spread, or participation rate and could be less or more than the interest earned in a traditional fixed annuity.

A company of Allianz.

Allianz Life Insurance of North America (Allianz) is committed to helping you determine whether a fixed annuity fits within your financial goals. There are many choices when it comes to selecting an annuity, and we encourage consumers to review the range of options carefully and discuss them with their agent before purchasing an annuity.

We are committed to helping consumers make the choices that are best suited to their financial needs. As part of this commitment:Every customer completes a "Suitability Form" before purchasing an Allianz annuity. Allianz requires these forms on every transaction in all states, even though many states do not require one. The suitability form helps you and your agent have a conversation about whether an annuity is appropriate for your financial situation.

Allianz Insurance Company of North America

5701 Golden Hills Drive

Minneapolis, MN 55416

800.950.1962

www.factsaboutannuities.com