With you from A to Z

ALLIANZ4LIFE

To enhance capital or provide additional resources while protecting them from the shocks of financial markets.

FOR ALL YOUR LIFE PROJECTS

For your future projects, you may wonder:

• Invest in risk-free investments with constantly declining returns…
• … or place your money in financial markets with growth potential in exchange for a risk of loss?

For my savings intended for my life projects:

• How to take advantage of the performance of financial markets while ensuring that a stock market shock does not erase all accumulated gains?
• How to benefit from it without having to manage it?

For my retirement, facing a decrease in income experienced or anticipated, my financial, real estate, or professional assets serve to preserve my standard of living and realize the projects that matter to me, but:

• Life expectancy is increasing; how can I be sure that my assets will be sufficient to ensure me a supplementary income throughout my life?
• Financial markets offer interesting prospects, but how to avoid the risk of loss on my additional resources?
• My capital must ensure me a regular income, but in case of need, can it remain available? Upon my death, can what remains be passed on to my loved ones?

To answer these questions, Allianz4Life is designed to facilitate your future projects. Allianz4Life is a group life insurance contract with multiple supports, expressed in account units, with optional membership subscribed by the ANCRE association with Allianz Global Life dac.

It consists of two non-cumulative formulas:

• The savings formula: to protect a portion of your capital in case of shocks in financial markets.
• The retirement formula: to have additional resources throughout your retirement and guarantee a minimum annual amount.

By investing in account unit supports, you benefit from the potential performance of financial markets, but you take a risk of capital loss. Indeed, Allianz Global Life, your insurer, commits to the number of account units but does not guarantee their value. This is subject to fluctuations, both up and down, depending on the evolution of financial markets.

Thanks to the Allianz Protect Invest option of the savings formula, your accumulated capital is protected each year, so it does not decrease by more than 7, 10, or 15%, depending on the chosen investment support. Thanks to the Crescendo guarantee of the retirement formula, your additional resources are secured and can only increase.

A solution to benefit from the potential upside of financial markets for your capital or additional income, while having protections in case of declines in these markets.

The ANCRE association, a daily commitment by your side

The ANCRE association is the subscriber of the Allianz4Life contract. ANCRE, NATIONAL ASSOCIATION for the COVERAGE of risks, RETIREMENT, and SAVINGS is an independent association, law 1901, that represents the collective interests of its members.

By subscribing to Allianz4Life, you also join the ANCRE association and thus benefit from the collective dynamics of an association in terms of savings, retirement, and insurance. For more information on ANCRE's missions, you can visit: www.ancre-vie.com

Allianz

STRATEGY SELECT 30

• 93% protection of the accumulated capital
• Maximum 7% loss at the end of the option

STRATEGY SELECT 50

• 90% protection of the accumulated capital
• Maximum 10% loss at the end of the option

The Allianz Protect Invest option is automatically included when you subscribe to the contract. The protected capital share at subscription corresponds to 85%, 90%, or 93% of the initial net payment after fees and subscription rights, depending on the chosen support. The option has a fixed duration of one year, and you retain the full freedom to renew it or not each year on the anniversary date of the option (according to the contractual provisions in force on the contract).

Each year at the end of the option, the accumulated capital is compared to the protected capital share, minus any partial withdrawals.

If the capital has increased, it is on this accumulated capital at the anniversary date that the protection level of 85%, 90%, or 93% applies for the new year if you renew the option. If the capital experiences a decline greater than the loss threshold, the Allianz Protect Invest option is activated. The decline is covered, up to the maximum loss threshold, by the allocation of account units on the subscription. This allocation increases the accumulated capital, and it is on this amount, including the allocation of additional account units, that the protection level of 85%, 90%, or 93% applies for the new year if you renew the option.

Point of attention: if the decline is below the maximum loss threshold, it is on this accumulated capital at the anniversary date that the protection level of 85%, 90%, or 93% applies for the new year if you renew the option.

In case of death, with the Allianz Protect Invest option, the capital transferred to the beneficiaries will be at least equal to 85%, 90%, or 93% of the accumulated capital at the anniversary date of the option preceding the death, after deducting any partial withdrawals and before applying the applicable taxation.

Allianz4Life

With the savings formula, invest in financial markets and protect your capital in case of significant shocks in the markets. To take advantage of the opportunities in financial markets, your capital is fully invested in a support expressed in account units managed by Allianz Global Investors, one of the leading asset managers in the world (source: IPE).

Thanks to the Allianz Protect Invest option of the savings formula, your accumulated capital is protected each year. Depending on your investment profile, an investment support and its associated protection level is offered to you:

• 85% protection of the accumulated capital
• Maximum 15% loss at the end of the option

EQUITY RATES

Allianz STRATEGY SELECT 75

ALLIANZ STRATEGY SELECT 50 IT4 IS RATED 5 STARS BY MORNINGSTAR

Morningstar is a provider of independent investment analysis. It is a company specialized in evaluating funds. http://www.morningstar.fr/fr/

Thanks to the Crescendo guarantee of the retirement formula and its ratchet mechanism, your additional resources can only increase. Each year on the anniversary date of your subscription, based on the performance of Allianz Strategy Select 50 IT4, the insurer reassesses or preserves your additional resources. You will be personally informed on each anniversary date.

Schematic illustration of the operating principle

Customize the amount of your additional resources on the allianz.fr simulator. By logging onto the allianz.fr site, you can easily perform personalized simulations. Indicate your age and the date you want to receive your additional resources. The amount you wish to invest specifies, according to 3 market scenarios, the minimum guaranteed annual sum you will receive, and vice versa.

Allianz4Life

In the retirement formula, your additional resources benefit from market increases, never from decreases. From the moment of subscription, we guarantee the minimum amount of your additional resources (according to the contractual provisions in force on the contract).

Live long and always securely. Your additional resources are paid to you in the form of withdrawals...

Guaranteed Relay Life Annuity

In the event that the capital is fully consumed, you are assured of continuing to receive, throughout your life, and always with the same regularity, an amount equal to that of the last guaranteed scheduled partial withdrawal. This is the effect of the Guaranteed Relay Life Annuity.

To take advantage of the opportunities in financial markets, your capital is invested in the support expressed in account units Allianz Strategy Select 50 IT4, for balanced management. This investment support is managed by Allianz Global Investors, one of the leading asset managers in the world (source: IPE).

Membership

Investment of the single payment

• Start of additional resources
• Capital fully consumed
• Death

Deferred phase (optional)

Life annuity phase

Additional resources phase

• Paid in the form of scheduled partial withdrawals consuming the capital
• Additional resources either reassessed or preserved each year
• Capital evolution*

*The capital varies according to the evolution of financial markets and decreases by the amount of scheduled partial withdrawals.

Minimum amount of additional resources guaranteed from subscription

Allianz, a trusted partner

The constant presence of our teams to help and advise you:

• By your side, your advisor, a specialist in wealth management, is there to analyze your needs and build with you the right solutions for your projects.
• On allianz.fr, your Client Area, you have access to many online services:
  • Consult the valuation of your contract and perform your operations online: payment, reallocation, choice of the Allianz Protect Invest option, and withdrawal, according to the terms of the contract.
  • Simplify your procedures and find your documents online (situation statement…) 24/7 with the e-mail service.

The trust of the European leader in insurance and financial services

Allianz's expertise in financial and insurance engineering has been built around two guiding principles:

• To enable you to benefit, throughout Europe, from the potential of financial markets to grow your savings and thus contribute to the success of your projects.
• To offer you guarantees and insurances that protect you: you, your loved ones, your savings, and your income.

Allianz Global Life dac is Allianz's subsidiary in Europe for all innovative guarantees related to the protection of savings and income. In France, Allianz Vie is responsible for the distribution and management of Allianz4Life.

With Allianz4Life, benefit from flexibility and advantageous taxation

Your capital is always available

A tough blow? You have the unconsumed capital at your disposal as you see fit by making a partial or total withdrawal (according to the contractual provisions in force, except in special cases – for example: accepting beneficiary – and with any potential tax and social consequences).

In case of partial withdrawal:

• In the savings formula: if you benefit from the Allianz Protect Invest option, the protected capital share until the end of the option is proportionally reduced by the amount withdrawn.
• In the retirement formula: the guaranteed amount of your additional resources is proportionally reduced.

In case of total withdrawal:

The subscription and all guarantees automatically end. In the savings formula, total withdrawal before the anniversary date ends the Allianz Protect Invest option, and the amount withdrawn is then equal to the accumulated capital at that date.

You benefit from specific taxation

(According to the taxation in force as of 01/01/2020 and subject to change)

With a life insurance contract, only the products resulting from the valuation of your capital upon withdrawal are subject to tax and social contributions. From the 8th year, the products benefit from an annual allowance of €4,600 for a single person or €9,200 for a couple subject to joint taxation.

You easily pass on your capital to your loved ones

(According to the taxation in force as of 01/01/2020 and subject to change)

In case of death, the capital accumulated on the contract is transferred to the beneficiaries you have designated, whether they are your heirs or not, and does not enter the estate (except in special cases: notably in the presence of manifestly exaggerated premiums). It is subject, after allowances, to a specific tax on the capital resulting from premiums paid until your 70th birthday and to inheritance tax on premiums paid after 70 years.

Legal Information

COM33067 - V12/19 - Imp12/19 - Realization Amalthéa Communication - Photo credits: GettyImages / AscentXmedia - IStock by Getty Images / bernardbodo - DR Allianz.

For any questions, your advisor is at your service. Advertising document, do not throw on public roads.

ANCRE

NATIONAL ASSOCIATION for the COVERAGE of risks, RETIREMENT, and SAVINGS
Association governed by the law of July 1, 1901
48, rue de Provence - 75009 Paris
www.ancre-vie.com

Allianz Vie
Company governed by the Insurance Code
Public limited company with a capital of €643,054,425
1, cours Michelet - CS 30051 - 92076 Paris La Défense Cedex
340 234 962 RCS Nanterre
www.allianz.fr

Allianz Global Life dac
Head office: Maple House, Temple Road, Blackrock, Dublin - Ireland
Company controlled in Ireland by Central Bank of Ireland.
Limited liability company under Irish law registered in Dublin under number 458565. Member of the Allianz Group.
French branch
1, cours Michelet – CS 30051 – 92076 Paris La Défense Cedex
340 234 962 RCS Nanterre
www.allianzgloballife.com