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Founded in 1896 and based in Minneapolis, Allianz Life Insurance Company of North America (Allianz) provides annuities, and life insurance policies in the United States. Known for innovation, performance, and customer service, the company has become a leader in the North American life insurance industry. Allianz products are offered through a network of independent financial professionals. The company is part of Allianz SE, a global financial services group that is ranked number 20 on the Fortune Global 500 list of the world’s largest corporations, based on revenue (July 26, 2010).

Today, Allianz and its subsidiaries form a large, successful company known for its innovation and performance. Allianz is rapidly taking its place as a leader in the North American life insurance industry. Allianz offers an extensive portfolio of value-added wealth management products, including fixed and variable annuities, and life insurance for individuals. The company offers individual insurance products through independent agents, registered representatives and other financial professionals nationwide.

Allianz Life Insurance Company of North America (Allianz) maintains a high-quality investment portfolio and strong liquidity position to support policyholder obligations and business needs. Diligent capital management allows the companies to maintain appropriate capitalization to support our overall business at levels consistent with our top-rated insurer status.

Key IFRS Financial Information Consolidated
Allianz Life Insurance Company of North America
December 31, 2010 (in Millions)
Invested Assets$68,104
Separate Account Assets19,328
Other Assets5,019
Total Assets$98,473
Insurance Liabilities69,521
Separate Account Liabilities19,328
Other Liabilities2,594
Total Liabilities$91,443
The ratings Allianz Life Insurance Company of North America (Allianz®) receives from independent rating organizations confirm our financial strength.
Agency Current Rating
A.M. BestA (Excellent)
Standard & Poor’sAA (Very Strong)
Moody’sA2 (Good)

These independent agency ratings are based on an analysis of financial results and evaluation of management objectives and strategies. The ratings do not pertain to investment options, which fluctuate with market conditions. The ratings do not indicate approval by the analysts and are subject to change.

The A.M. Best rating of A (Excellent) is the 3rd highest of 16 possible ratings, and was affirmed February 2011.

The Standard and Poors rating of AA (Very Strong) is the 3rd highest of 21 possible ratings, and was affirmed August 2010.

The Moodys rating of A2 (Good) is the 6th highest of 21 possible ratings, and was affirmed August 2009.

A.M. Best

Established in 1906, A.M. Best is the oldest independent insurance analyst in the country. The company assigns a rating to an insurance company based on financial information (results) and qualitative evaluations (management objectives and strategies). The quantitative financial evaluation includes an extensive analysis of reported financial performance in the areas of profitability, leverage and liquidity. The qualitative evaluation reviews performance in such areas as quality of assets, reserve adequacy, reinsurance, business strategies, market leadership, parent company support, and management competency. A is the third highest rating assigned by A.M. Best.

For a full description of how A.M. Best rating categories are defined refer to

Standard & Poor’s®

A Standard & Poor’s Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. Insurer Financial Strength Ratings are based on information furnished by rated organizations (or obtained by Standard & Poor’s from other sources it considers reliable). Insurers rated AA have Very Strong financial security characteristics.

For a full description of how Standard & Poor’s® Insurer Financial Strength Ratiategories are assigned refer to

Moody’s Investor Service

Moody’s has been rating insurance companies since 1986. It is one of the two agencies outside the insurance industry most frequently recognized with respect to financial ratings. Moody’s financial strength rating reflects the insurance company’s ability to fulfill senior policyholder obligations and claims. The analysis focuses on a company’s business fundamentals, including financial factors, franchise value, management and organizational structure/ownership. In evaluating capital adequacy, Moody’s attempts to assess the capital necessary to absorb a number of risks, including asset default, pricing adequacy and interest rate risk. Insurers rated A2 offer good financial security. However, elements may be present which suggest a susceptibility to impairment sometime in the future.

Allianz Life Insurance Company of North America (Allianz) maintains investment portfolios consisting primarily of high-quality investment-grade bonds of medium length maturity to assure adequate liquidity and proper matching to policyholder obligations and commitments. Moderate amounts of mortgage loans, real estate and stocks are included to diversify the portfolios and enhance overall returns.