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Viera Financial Services is proud to represent.........

Allianz Life Insurance Company of North America.

Allianz fixed-index annuities (FIAs) provide the guarantees of fixed annuities combined with the opportunity to earn interest based on potential market index gains – without directly participating in the market.

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Allianz fixed annuities are designed to help you reach your financial goals for retirement and offer you the advantages of principal and minimum interest rate guarantees.

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Products are issued by Allianz Life Insurance Company of North America.  Guarantees are based on the financial strength and claims-paying ability of the issuing company.

Ratings

The A.M. Best rating of A (Excellent) is the 3rd highest out of 16 possible ratings, and was affirmed December 2008.

The Standard & Poor’s rating of AA (Very Strong) is the 3rd highest out of 21 possible ratings, and was affirmed March 2009.

The Moody’s rating of A2 (Good) is the 6th highest out of 21 possible ratings, and was affirmed February 2009.

What Do Ratings Companies Look For

Ratings

The ratings of independent rating agencies are a measure of financial strength and claims paying ability.  The 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.


A.M. Best Disclosure

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 second highest rating assigned by A.M. Best. for a full description of how A.M. Best rating categories are defined refer to http://www3.ambest.com/ratings/default.asp

Standard & Poor's® Disclosure

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.

Moody's Disclosure

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.

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                                    Last modified: 02/21/11