Protection in the new normal
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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

Protection in the “new normal”

For Financial Professional use only - not for use with the public


100 year flood
“100-year flood”

  • They happen

  • They cause damage

  • Waters always recede

  • People rebuild

For Financial Professional use only - not for use with the public


Winnipeg a city that got serious about changing
Winnipeg – A city that got serious about changing

For Financial Professional use only - not for use with the public


Protection in the new normal

Then

Now

Rebuilding in the New Normal

For Financial Professional use only - not for use with the public


Protection in the new normal

Then

Now

Our beliefs change our behavior

  • Then

  • Now

For Financial Professional use only - not for use with the public


Protection in the new normal

Then

Now

Our beliefs change our behavior

For Financial Professional use only - not for use with the public


The global financial world has changed
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


A greater responsibility
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


A new normal
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


The retirement savings landscape has changed
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


Add it all up and
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


Retirement savings in the new normal
Retirement savings in the new normal

Protection is KEY

For Financial Professional use only - not for use with the public


Transferring risk

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


You don t change your behavior until you change your beliefs

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


From our global parent

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


Protection in the new normal

Financial strength in the new normal

Solvency Ratio Remains Strong – Allianz SE

For Financial Professional use only - not for use with the public


From our global parent operating profit eur bn

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


To our american family of companies

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


To us

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


Protection in the new normal

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


Protection in the new normal

Our commitment to you

For Financial Professional use only - not for use with the public


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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


Protection in the new normal

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