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Protection in the “new normal”

Protection in the “new normal”. “100-year flood”. They happen They cause damage Waters always recede People rebuild. Winnipeg – A city that got serious about changing. Then. Now. Rebuilding in the New Normal. Then. Now. Our beliefs change our behavior. Then. Now. Then. Now.

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Protection in the “new normal”

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  1. Protection in the “new normal” For Financial Professional use only - not for use with the public

  2. “100-year flood” • They happen • They cause damage • Waters always recede • People rebuild For Financial Professional use only - not for use with the public

  3. Winnipeg – A city that got serious about changing For Financial Professional use only - not for use with the public

  4. Then Now Rebuilding in the New Normal For Financial Professional use only - not for use with the public

  5. Then Now Our beliefs change our behavior • Then • Now For Financial Professional use only - not for use with the public

  6. Then Now Our beliefs change our behavior For Financial Professional use only - not for use with the public

  7. The global financial world has changed $60 Trillionglobal market capitalization (USD)1.1.08 $30 Trillionglobal market capitalization (USD)12.31.08 Source: www.seekingalpha.com/article/138673-world-and-country-market-cap “Seeking Alpha, world country market cap, by Bespoke Investment Group, May 20, 2009 For Financial Professional use only - not for use with the public

  8. A greater responsibility Individual 401K IRA Investments Real Estate EmployerDefined Benefit / Pension Government Social Security For Financial Professional use only - not for use with the public

  9. A new normal • Increased taxation • Increased volatility • Lower growth rate “We will not revert to the mean ... There is a near certain probability that the financially based global economy of the past half-century will not return”William H. Gross, Managing Director PIMCO “The world is traveling on a bumpy road to a new destination – or what PIMCO has labeled the new normal.”Mohamed El-Erian, CEO and Co-CIO PIMCO For Financial Professional use only - not for use with the public

  10. The retirement savings landscape has changed • Rethinking their approach • Don’t want this to happen again • Serious changes are needed For Financial Professional use only - not for use with the public

  11. Add it all up and… The old model The new normal There comes a time when change needs to happen For Financial Professional use only - not for use with the public

  12. Retirement savings in the new normal Protection is KEY For Financial Professional use only - not for use with the public

  13. 0.9% Loss of Life 0.9% Loss of life1 Life insurance 1.2% Loss of car2 1.2% Loss of Car Auto insurance 1.3% Loss of House 1.3% Loss of house3 Homeowner’s insurance 28% Loss of market value 28% Loss of market value4 Annuities Transferring risk Portion of risks transferred away Financial Risks: Annual Likelihood 1 2001 CSO Table 2 U.S. Department of Transportation – Traffic Safety Facts 2005 www.nhtsa.gov 5/25/07 3 National Fire Protection Association 2005 report 4 Percentage based on number of years (14) the S&P 500 was down between 1959-2008, Jeffrey and Yale Hirsch, Stock Trader’s Almanac, page 155. For Financial Professional use only - not for use with the public

  14. You don’t change your behavior until you change your beliefs Now, more than ever Clients need your guidance to an insured retirement solution Allocate a portion of your clients retirement savings in a Fixed Index Annuity from Allianz For Financial Professional use only - not for use with the public

  15. Why Allianz? Pass it on… Secure their legacy The company to help you and your clients navigate in the new normal • FIA products that protect in the new normal • Financial strength and safety to back it up • Our commitment to you Guarantees are backed by the financial strength and claims paying ability of Allianz Life Insurance Company of North America For Financial Professional use only - not for use with the public

  16. FIA products that protect in the new normal Pass it on… Secure their legacy Our FIA portfolio can help protect retirement savings in the new normal • MasterDex Series • Endurance Series Allianz FIAs stand out from the rest • Others only tell you half the story • It’s not just about starting strong • It’s about finishing strong as well For Financial Professional use only - not for use with the public

  17. FIA products that protect in the new normal Pass it on… Secure their legacy We know of only one company that offers the opportunity for increasing income on a depreciating asset – Allianz. • Guaranteed lifetime income – even after values are depleted • Power of annual reset to and through retirement • We offer a variety of income options for your client For Financial Professional use only - not for use with the public

  18. FIA products that protect in the new normal Annual reset indexing means payment increases each and every year the index allocations return a positive result $25,000 $500,000Income withdrawalValue $25,000 $25,000 $26,777 $26,777 $30,175 $31,451 +12.69 -14.89 Income payments assuming no index allocation increases Income Withdrawal Payment Income withdrawal value Year: 1 Index Rate: -14.89 IWV: $475,000 +4.23 +7.11 -5.62 Year: 2 Index Rate: +7.11% IWV: $481,995 Year: 5 Index Rate: +4.23% IWV: $468,655 Year: 3 Index Rate: -5.62% IWV: $455,218 Year:4 Index Rate: 12.69% IWV: $482,810 1 2 3 4 5 This hypothetical illustration is provided to show the effect various index rates have on an income withdrawal value and income payment. It is hypothetical in nature, and it does not predict or project the actual performance of any one Allianz fixed index annuity or income benefit. This illustration assumes no change in payment percentage based on the age of the covered person. Actual results will vary depending on actual market conditions. For Financial Professional use only - not for use with the public

  19. FIA products that protect in the new normal Pass it on… Secure their legacy Our portfolio includes the #1 selling product in the FIA industry1 as of 3/31/2009 Allianz MasterDex XSM Annuity 1 - Advantage Index Sales & Market Report, 2nd quarter 2009, Part 1, p. 7. www.annuityspecs.com. For Financial Professional use only - not for use with the public

  20. Why Allianz? Pass it on… Secure their legacy The company to help you and your clients navigate in the new normal • FIA products that protect in the new normal • Financial strength and safety to back it up Guarantees are backed by the financial strength and claims paying ability of Allianz Life Insurance Company of North America For Financial Professional use only - not for use with the public

  21. Financial strength in the new normal Strength in the new normal ... From our global parent ... • We are part of Allianz SE, one of the world’s largest integrated financial services organizations. “There could hardly be a safer portfolio than ours”Michael Diekmann, CEO Allianz SE These independent agency ratings are based on an analysis of financial results and an evaluation of management objectives and strategies. The ratings do not indicate approval by the analysts and are subject to change. The A.M. Best rating of A+ (Superior) is the 2nd highest out of 16 possible ratings, and was affirmed March 2009. The Standard & Poor’s rating of AA (Very Strong) is the 3rd highest of 21 possible ratings, and was affirmed September 2009. The Moody's rating of Aa3 (Excellent) is the 4th highest rating of 21 possible ratings, and was affirmed February 2009. For Financial Professional use only - not for use with the public

  22. Financial strength in the new normal Solvency Ratio Remains Strong – Allianz SE For Financial Professional use only - not for use with the public

  23. Financial strength in the new normal 12/31/2007 12/31/2008 Allianz 10.9 ING 10.7 AXA 8.0 AIG 6.5 Generali 4.9 Zurich 4.7 Aviva 2.8 Aegon 2.6 Allianz 7.4 AXA 6.4 Generali 3.9 Zurich 3.4 Aegon -0.2 Aviva -0.2 ING -0.5 AIG -70.1 From our global parent ...Operating profit (EUR bn) For Financial Professional use only - not for use with the public

  24. Financial strength in the new normal Strength in the new normal ... ... to our American family of companies ... • We’re in good company. Our U.S.- based sister organizations are known as top players in asset management and protection. “There could hardly be a safer portfolio than ours”Michael Diekmann, CEO Allianz SE For Financial Professional use only - not for use with the public

  25. Financial strength in the new normal Strength in the new normal ... ... to us ... • Allianz Life Insurance Company of North America We’re Allianz Life Insurance Company of North America, or Allianz – a premier financial services company you can count on. These independent agency ratings are based on an analysis of financial results and an evaluation of management objectives and strategies. The ratings do not indicate approval by the analysts and are subject to change. The A.M. Best rating of A (Excellent) is the 3rd highest out of 16 possible ratings, and was affirmed December 2008. The Standard & Poor’s rating of AA (Very Strong) is the 3rd highest of 21 possible ratings, and was affirmed July 2009. The Moody's rating of A2 (Good) is the 6th highest rating of 21 possible ratings, and was affirmed August 2009. For Financial Professional use only - not for use with the public

  26. Why Allianz? Pass it on… Secure their legacy The company to help you and your clients navigate in the new normal • FIA products that protect in the new normal • Financial strength and safety to back it up • Our commitment to you Guarantees are backed by the financial strength and claims paying ability of Allianz Life Insurance Company of North America For Financial Professional use only - not for use with the public

  27. Our commitment to you For Financial Professional use only - not for use with the public

  28. Our commitment to you Pass it on… Secure their legacy Membership has its rewards • Producer Perks • Deferred compensation rewards program • Priority access to: • FASTeam • Masters Advisory Team • Advanced Markets Team • Exclusive access to Forefield AdvisorTM • Reduced-rate E&O insurance For Financial Professional use only - not for use with the public

  29. Our commitment to you Pass it on… Secure their legacy You help protect your clients, we’ll help protect you • Exclusive Suitability Advantage Program • We back up our suitability program with dollars • No commission chargeback if contract is rescinded For Financial Professional use only - not for use with the public

  30. Our commitment to you Pass it on… Secure their legacy • Producer Perks • Deferred Compensation Program • Priority FASTeam access • Masters Advisory Team access • Advanced Markets support • Forefield AdvisorTM • Reduced rate E & O • Suitability Advantage Program • Dedicated new business specialists • Dedicated operations specialists • Exclusive promotions Dedicated processing team Membership has its rewards • Dedicated new business and operations specialists • Personal handling of applications and all processing needs • Red carpet service • Exclusive promotions • Commission bonuses • Perk contests For Financial Professional use only - not for use with the public

  31. Why Allianz? Pass it on… Secure their legacy The company to help you and your clients navigate in the new normal • FIA products that protect in the new normal • Financial strength and safety to back it up • Producer commitment For Financial Professional use only - not for use with the public

  32. Beliefs and behavior in the new normal “How did I ever plan for retirement without an annuity?” Products are issued by:Allianz Life Insurance Company of North America5701 Golden Hills Drive, Minneapolis, MN 55416-1297 For Financial Professional use only - not for use with the public

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