With 68% of Americans expecting continued market volatility in 2025 (1), clients are looking to you for guidance on managing uncertainty while still pursuing growth. Fixed index annuities can be a powerful tool, and one key feature—Index Lock—gives clients more control over their financial outcomes.

Allowing clients to lock in a positive index value once per crediting period helps protect against midterm volatility while maintaining potential upside. Rather than waiting until the end of the crediting period, clients can act when market conditions are in their favor, providing reassurance and a sense of stability.

Download this guide to learn how you can:

Help clients lock in positive index values, help reduce the impact of market swings.
Offer a solution that provides growth potential while providing protection from market loss.
Use online tracking tools to track and view index values and support timely decisions.
Show clients real-world examples of how this strategy compares to traditional approaches.
Leverage automation features that make financial planning simpler for advisors and clients alike.

Advisors who provide strategies that can enhance financial stability set themselves apart. Download the guide now and discover how to integrate this approach into your practice.

Offered complimentary by: Allianz Life Insurance Company of North America (Allianz)

(1) 2024 4Q Allianz Life Quarterly Market Perceptions Study was conducted in November 2024 with a nationally representative sample of 1,0004 respondents age 18+.

Exercising an Index Lock may result in a credit higher or lower than if the Index Lock had not been exercised.

Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.

This context does not apply in the state of New York.

Allianz Life Insurance Company of North America

Enhanced First-Year Fixed Rate: 10-Year Accumulation Example

Lock in increases. Lock out volatility. Help clients navigate market uncertainty.