Allianz 360 Annuity – Lifetime Income with a 105% Interest Bonus and Flexible Growth Options
At Diversified Insurance Brokers, we help clients create retirement plans that deliver guaranteed lifetime income, principal protection, and tax-deferred growth. The Allianz 360 Fixed Indexed Annuity is designed to help you grow your wealth while safeguarding your savings from market downturns, making it an ideal choice for retirees and pre-retirees who want stability and flexibility.
Market Protection with Growth Potential
The Allianz 360 offers indexed crediting strategies that let you benefit from market growth while maintaining a 0% floor, ensuring your principal remains safe even in volatile markets. This allows you to grow your retirement savings without risking your nest egg.
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105% Interest Bonus with the 360 Benefit Rider
The 360 Benefit Rider boosts your credited interest by 105%, accelerating growth and building a larger foundation for future income. This rider also increases your lifetime withdrawal percentage each year you defer income, giving you the potential for higher guaranteed payouts over time.
Level or Increasing Income Options
When it’s time to take income, you can choose between:
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Level Income – A steady, predictable payout each year
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Increasing Income – Payments that grow annually to help offset inflation
This flexibility allows you to tailor your income strategy to your retirement lifestyle and needs.
Tax-Deferred Growth Advantage
Your funds grow tax-deferred, meaning you won’t pay taxes until you start making withdrawals. This helps your money compound more efficiently, maximizing your retirement savings.
Why Work With Diversified Insurance Brokers
We work with top-rated carriers like Allianz to match you with annuity products that align with your personal retirement goals. The Allianz 360 offers a combination of growth, protection, and increasing income potential that fits well into many retirement income strategies.
🎯 Want to grow your retirement income with a 105% interest bonus?
Submit a quote request here to find out if the Allianz 360 Annuity is right for you.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Allianz 360 Annuity
What is the Allianz 360 Annuity?
The Allianz 360 Annuity is a fixed indexed annuity contract designed to offer principal protection, potential indexed or fixed interest crediting, and optional lifetime income benefits. It aims to balance growth potential with downside protection and flexibility for retirement planning.
How does interest or growth crediting work?
You can allocate premium to fixed-interest or index-linked strategies. If using an index option, interest is credited based on index performance using mechanisms like caps, participation rates, or spreads. Your money is not invested directly in the stock market.
Is my principal protected?
Yes — as a fixed indexed annuity, the contract protects your principal from market losses. Even if the referenced index does poorly, your account value will not decrease because of market volatility (subject to contract terms and withdrawals).
Does Allianz 360 offer lifetime income options?
Yes. The annuity provides optional lifetime income riders or payout election, which can convert the accumulation value into a guaranteed income stream, potentially for life.
Can I withdraw money before income begins?
Typically, yes — many contracts allow an annual free-withdrawal (often a percentage of account value) without surrender charges after the first contract year. Larger withdrawals or surrendering the contract early may trigger surrender charges or affect future guarantees.
How are withdrawals and distributions taxed?
Earnings grow tax-deferred while inside the contract. Withdrawals or income payments are generally taxed as ordinary income. Early withdrawals (before age 59½) may be subject to additional tax penalties under IRS rules.
What happens if I pass away before or after income starts?
Depending on contract options, death benefits may go to beneficiaries — either the accumulated value or a guaranteed minimum. If income payments have begun, certain payout options may allow joint-life or period-certain continuations for a spouse or beneficiary.
Who is the Allianz 360 Annuity a good fit for?
This annuity may suit investors seeking a balance of growth potential with principal protection, those wanting tax-deferred accumulation, or individuals looking for guaranteed retirement income without direct stock-market risk.
What should I watch out for before buying?
Review surrender period length, withdrawal limitations, rider fees, crediting formulas, and income rider terms. Understand how surrender charges, early withdrawals, or changes in index crediting could impact account value and future income.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
