Americans are living longer and spending more time in retirement. In fact, the average American will be retired for 18 years. A retirement nest egg is probably the largest amount of money you will ever need to accumulate. How will you do it?

Think about a fixed annuity. Fixed annuities are a safe, risk-free way to plan for a comfortable retirement. You do so, on a tax-deferred basis. You should also consider the tax equivalent rate of return. As an example, for someone in the 30% tax bracket, a 6% guarantee growing in an annuity would require an 8.5% rate of return in a regular taxable account. The money is protected, and you can get a guarantee that you'll never outlive the income you receive from the annuity.

There are many options available to fund your retirement, stocks, bonds, mutual funds and bank savings acconts to name a few. A company pension plan and social security are traditional sources of retirement income, but it seems they are becoming less reliable. Each of these options offer benefits, but none appear to satisfy all retirement concerns.

Like many Americans, you may own an IRA. One of the most common misconceptions among IRA owners are that they must keep their IRA where it is. When in fact, nothing could be further from the truth.

As an owner of an IRA, you have complete control over where you want to invest your IRA funds. Especially if you are unhappy with its current rate of return or the service you are receiving from the institution where your IRA is presently held. You can transfer your IRA to another IRA qualified investment without penalty or having to pay any income tax. This is done via an IRA rollover or a Direct Transfer.

Of all the options, a fixed annuity could be the best alternative to help your retirement, and provide a firm foundation of a sound financial plan.

Annuity products are a safe and secure alternative - and with interest rates that are better than most bank CDs, Savings Accounts or Money Market Funds. Also, if your IRA is currently in a Mutual Fund and you are concerned about the risk of your principal, an annuity is an excellent way to guarantee your principal with an opportunity for greater growth.

Allianz Life Insurance Company of North America offers a portfolio of fixed annuity policies to help meet specific financial goals. Every policy offered places an emphasis on long-term, enhanced values and features an array of living benefits.

There are products that offer the potential to share in gains registered by the Standard & Poor's 500 Index, the Nasdaq-100 Index, the FTSE International 100 Index or a Blended Index that contains a predefined mix of domestic and international stock indexes, and bond indexes, WITHOUT EXPOSING PRINCIPAL TO MARKET RISK. Other products offer an immediate premium bonus, and some offer more lifetime retirement income in the event of disabling illness or injury.

FIXED ANNUITY BENEFITS INCLUDE:

1. Safety of Principal, Allianz Life Insurance Company of North America is a member of the Allianz SE, one of the world's largest financial services organizations and the 20th largest company in the world based on sales, the 4th largest company in the insurance industry based on sales and assets and the 2nd largest money manager.
2. Minimum Guaranteed Rates and Values
3. Tax Deferred Accumulation

If you have an interest in viewing a complete brochure for any of the following products please click on the appropriate link or send me an email request from the annuity quote form below.

Understanding Fixed Index annuities

Understanding Crediting Methods

What are the advantages of annual reset?

Immediate Annuities

Single Premium Immediate Elite Annuity - for clients for a current income. Minimum premium $25,000.

MULTI - YEAR GUARANTEE ANNUITIES

1. DOMINATOR PLUS ANNUITY - Interest rate guarantee periods of 5 or 10 years providing flexibility to choose the option best suited for your needs. The current 5 year guarantee period rates are 1.50% for $25,000 to $99,999, and 1.50% above $100,000. The 10 year guarantee period has rates of 2.15% from $25,000 to $99.999, and 2.25% above $100,000
2. NORTH AMERICAN GUARANTEE CHOICE

                          3-year 4-year 5-year 6-year 7-year 8-year 9-year 10-year

  $200,000+      1.20% 1.80% 2.25% 2.60% 2.90% 3.10% 3.30% 3.40%

under $200K    1.00% 1.50% 2.00% 2.35% 2.70% 2.90% 3.10% 3.25% 

Bonus Equity Indexes Annuities

1. MASTER DEX X ANNUITY - The #1 selling fixed index annuity in America Delivers the Power of 10 with a 6% premium bonus, a 10 year decreasing surrender charge, with 10% free withdrawals per year, plus guaranteed accumulation and predictable lifetime income with the SIMPLE INCOME III RIDER. A guaranteed bonus or "roll-up" equal to 7% of adjusted premium(s), applied annually to the contract's simple withdrawal value. That is an 13% first year return when selecting the Simple Income III Rider. The simple Income III Rider is optional and is available for an annual cost of 0.75% of the simple withdrawal value. Choose from a variety of ten allocation options in increments of 1% or more for flexibility. Monthly sum capped at 1.80% for the Nasdaq-100, 1.80% for the S&P 500 or 1.90% for the Euro STOXX 50. Annual point-to-point capped at 3.00% for the Nasdaq-100, S&P 500 3.00%, Euro STOXX 50 3.25%, Blended 3.25% or a fixed account option at 1.60%. Minimum Premium $20,000 Qualified/Non-Qualified

            Take a closer look at the Simple Income  III Rider     

             Because the Simple Income III rider is available only with

          the MasterDex X^ý fixed index annuity, we ask you to please watch

          the MasterdDex X presentation first.

          How do I know which Equity-Indexed Annuity is Best for me?

As with any other insurance product, you must carefully consider your own personal situation and how you feel about the choices available. No single annuity design may have all the features you want. It is important to understand the features and trade-offs available so you can choose the annuity that is right for you. Keep in mind it may be misleading to compare one annuity to another unless you compare all the other features of each annuity. You must decide for yourself what combination of features makes the most sense for you. Also, remember that is not possible to predict the future market behavior of an index.

To find out more information, fill out our no obligation annuity quote form, and one of our friendly agents will contact you.