Allianz Life/Capitalization Loyalty

© Allianz 2025
— General Agents
— Realization: DDMABR&SP

• 12/21
  – Photo credits: IStock Getty Images | Allianz

Non-contractual document for internal use at Allianz and its distribution networks. Do not communicate to clients.

COMMERCIAL SHEET

Allianz Life/Capitalization Loyalty are multi-support contracts aimed at individuals wishing to give meaning to their savings to achieve their future projects.

How to subscribe?

Target

Product Plus

• A boost to the profit participation of the euro support (optional)
• A reward for loyalty at the end of the loyalty period
• Integration of ESG/SRI criteria in the selection of UC supports
• Transparency on UC fees
• Legal and tax advantages of life insurance or capitalization
• Diversification of investments according to the investment profile
• Additional protection guarantees in life insurance
• Independence, expertise in the selection of UC investment supports
• Access to Delegated Management, Profiled, and Access Plus

General Agent Advantages

• An innovative reward mechanism with a loyalty guarantee including an increase of at least 10% at the end of the loyalty period
• A wide choice of management modes
• Financial management often rewarded and a reliable and solid insurer
• Clean Share unit supports

Client Benefits

• A rich and varied investment universe with over 170 available funds including the Allianz Growth Fund and structured funds of the Neo type for optimized diversification
• A favorable tax framework in case of redemptions but also in the event of death for life insurance
• Guarantees to strengthen the protection of the insured and their loved ones
• Transparency on management fees with Clean Share UC, without commission kickbacks
• A turnkey management with a responsible dimension tailored to the client's profile
• The ANCRE association for the preservation of members' interests
• The capital is always available (possibility of making redemptions)

Fees

• Fees related to the ANCRE association:
  • Entry fee to the association: €12 at membership
  • Annual contribution: 0.025% maximum
• Fees on contributions: 4.50% maximum
• Annual management fees: in the savings phase (euros and UC): 1.40% maximum (degressive based on the outstanding amount), with annual indexing on the average TME as of 30/11/N-1
• Fees for the optional complementary guarantee in case of death on AVF: a percentage based on the age of the insured ranging from 0.059% to 2.968%
• Arbitration fees in free management: free for any arbitration except 1.50% of the arbitrated amount for any arbitration from the € fund to the Growth fund within the limit of €5,000
• Transfer fees: free
• Annual management option fees on the share of rights expressed in UC:
  • option “Delegated Management of convictions, Profiled and Access Plus” at 0.25%
  • option “Essential Delegated Management” at 0.20%

On the client file Lagoon, Projects tab:

Advice Tool then Savings Membership Tool
In Life: individual up to 84 years
In Capi: legal entity and individual up to 89 years

Allianz Life/Capitalization Loyalty are multi-support group insurance contracts with optional membership, subscribed by ANCRE with Allianz Life.

The Client space for individuals on Allianz.fr

For:

• Consult the guarantees of their contracts
• Make contributions
• Make arbitrations

Financial management

Euro support: Allianz Euro Fund which relies on the general assets of Allianz Life, this fund is associated with:

• A loyalty guarantee that collects its gross annual performances without any fees to boost them, set them aside and increase, at the end of the loyalty period, by at least 10% the number of units of account that constitute it. Any redemption before the due date decreases the number of units of account proportionally.
• A boost to its performances until the end of the loyalty period, designed to hope for a performance supplement if the markets progress, while limiting the risk to the only profits of the euro support.

UC supports: a wide range of investment supports that aim to integrate environmental, social, or governance (ESG) factors, the socially responsible investment (SRI) label, or criteria of the same nature.

Four Financial Management Formulas:

• Delegated Management: which includes 14 different orientations, from Defensive Cap to Offensive Cap with 3 variations in “Essential”, “Conviction” and “Climate and Human” versions with the objective of mastering the performance/risk equation according to the level of risk accepted by the member.
• Profiled Management: Perspective from Cautious Cap to Offensive Cap for clients interested in non-listed investments.
• Managed “Access Plus” management: it is accessible as soon as the capital invested in the contract is at least €100,000, and includes three management orientations: Future Balance, Dynamic, and Offensive. Its objective is to optimize the performance/risk equation according to the member's risk appetite.
• Free management: it allows the member to be free in choosing their allocation.

Scheduled options (available only in free management):

• The progressive boosting of contributions which consists of spreading investments towards UC supports called “boosting”.
• The progressive boosting of capital which aims to gradually arbitrate part of the capital constituted on the € fund towards target UC supports called “boosting”.
• Performance security serves to arbitrate products recorded on UC supports towards a low-risk fund from a performance threshold.
• These options are free.

PACTE law transfers:

• The client can now request to transfer the capital constituted on their life insurance or capitalization contract to another multi-support life insurance or capitalization contract subscribed with the same insurer without losing the tax history of their contract.
• The transfer must be made on the entirety of the savings of the old contract.
• For more details (on Allianz conditions or on exclusions): My Allianz Mobile to access their contracts and services on their smartphone.

Product characteristics

• Multi-support group life/capitalization insurance contract
• Subscriber association: ANCRE
• Different optional complementary guarantees are available for the life contract:
  • Floor guarantee option: to ensure, in case of death before 86 years, the transmission of a capital at least equal to 100% or 120% of contributions, less fees and any ongoing redemptions and advances, (within the limit of €760,000)
  • Death protection: for the payment of an additional capital, in case of death following an accident occurring before 86 years, equal to the death capital (within the limit of €1,000,000)
  • Disability protection: to receive an additional capital in case of total and permanent disability following an accident occurring before 67 years, equal to the amount of savings at the date of recognition of the disability status (within the limit of €1,000,000)
  • Dependency protection: to receive an additional capital, in case of total dependency before 86 years, equal to half of the amount of savings at the date of recognition of the dependency status (within the limit of €200,000)

Minimum contributions:

• Minimum contribution at membership:
  • In life version: €15,000
  • In capitalization version: €75,000
• Minimum regular contributions LIFE/CAPI: €100 / month, €300 / quarter, €600 / semester, €1,200 / year
• Minimum free contributions LIFE/CAPI:

€1,500.

• Minimum redemptions LIFE/CAPI:
  • Partial redemptions: €750
  • Scheduled partial redemptions:
    • €100 / month
    • €300 / quarter
    • €600 / semester
    • €1,200 / year

The balance of the contract after a redemption must be at least €4,500.
There is no minimum UC rate on the membership contribution (100% € fund possible).

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Life - Bank / Retirement Savings / Ongoing Offer / Allianz Life Capitalization Loyalty
Life - Bank / Retirement Savings / Ongoing Offer / Allianz Life Capitalization Loyalty