Allianz Life Insurance Company Ratings and Review

Allianz Life Insurance Company Ratings

Allianz Life Insurance Company is rated A+ by A.M. Best and boasts a Comdex Score of 94 which places them in the 94th percentile of all rated companies. The below table lists all of Allianz Life’s financial ratings.

Allianz LifeRating
5701 Golden Hills Dr., Minneapolis, MN 55416
A.M. Best RatingA+
Moody's (21 rankings)A1 (5)
Comdex (percentile of all rated companies)94
Standard & Poor's (20 Possible Ratings)AA (3)

Allianz Life Insurance Company Review

Allianz Life Insurance Company was #1 in U.S. Individual Fixed Index Annuity Sales from 2016 to 2019 and they finished in the #2 spot in 2020.

Allianz was founded in 1896 and based in Minneapolis, Minnesota, Allianz Life Insurance Company of North America is a leading provider of retirement and protection solutions, including fixed and variable annuities, and life insurance for individuals sold through a network of independent financial professionals.

Life Insurance and fixed annuity products are issued by Allianz Life Insurance Company of North America. Variable annuities are distributed by its affiliate, Allianz Life Financial Services, LLC, Member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416.

Annuity Company20202019 20182017 2016
Allianz21111
Athene12223
AIG33445
Nationwide74337
American Equity95662

Allianz Annuity Rates

The below table lists the best performing Allianz Annuities and index annuity crediting strategies based on historical backtesting that was completed using Annuities Genius Software. 

You’ll find three average annual rates of return.

  1. The “Recent” column lists the average annual rate of return for the most recent 10-year period.
  2. The average return during the best 10 year period
  3. The worst column represents the average return during the lowest 10 year period. 

Backtesting was done from 2000 to 2020.

Allianz Best Performing Stock Market Index and Crediting StrategiesRecentBestWorst
Allianz Core Income 7 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25% Reset: Biennial Bloomberg US Dynamic Balance II (ER)
7.83%9.10%5.84%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25% Reset: Annual Bloomberg US Dynamic Balance II (ER)
6.30%7.09%4.84%
Allianz 360 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3% Reset: Biennial Bloomberg US Dynamic Balance II (ER)
6.09%7.09%4.53%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
7 surrender yrs Rider fee: 1.25% Reset: Annual Bloomberg US Dynamic Balance II
5.24%5.96%3.96%
Allianz 360 Annuity
2-Year PIMCO Tactical Balanced ER PTP Participation Rate
10 surrender yrs Rider fee: 1.3% Reset: Biennial PIMCO Tactical Balanced (ER)
4.90%6.00%4.33%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Cap
7 surrender yrs Rider fee: 1.25% Reset: Annual Bloomberg US Dynamic Balance II
4.76%5.45%4.69%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
10 surrender yrs Rider fee: 1.3% Reset: Annual Bloomberg US Dynamic Balance II
4.57%5.20%3.29%
Allianz 360 Annuity
1-Year S&P 500 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum Reset: Annual S&P 500® Index
4.53%4.53%2.23%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3% Reset: Annual Bloomberg US Dynamic Balance II (ER)
4.43%4.98%3.39%
Allianz 360 Annuity
1-Year Nasdaq-100 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum Reset: Annual Nasdaq-100
4.24%4.58%2.26%

Allianz Annuity Guides

Shelf wood

Allianz Life Assets and Liabilities

Financials

Invested Asset Distribution & 5 Year Investment Yields

The two graphs below are intended to give you an idea of where Allianz Life invests its’ money and how well those investments are doing. 

The pie chart on the left shows their invested asset distribution and as you can see just under 80% is invested in bonds. The bar chart on the right shows their 5-year investment yields going back to 2014.

Allianz invested asset distribution

Allianz Life's Non-Performing Assets

In the chart below you can see Allianz Life’s non-performing assets as well as income and earnings. The pie chart on the right shows the quality of the bonds they are holding.

Allianz bond allocations

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