Allianz Global D'Ara Perspektive
Advantages for saving with guarantees
How does Allianz Global d'Ara Perspektive savings insurance work?
When the time comes, you can choose how to receive the capital you’ve accumulated with your savings insurance: With a lifetime annuity, all at once, or in a mixed way.
A single investment will be made at the beginning of the contract.
From the start of your investment, you’ll know the guaranteed life annuity and minimum capital.
Contact one of our experts to explain all the details.
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Frequently asked questions about guaranteed savings insurance
Savings insurance is a financial product designed to help you achieve your medium- and long-term goals. In an economic environment where interest rates are at rock-bottom levels, Allianz Leben-AG has chosen to offer the best savings insurance that allows customers to achieve a higher return on their money, consolidating a portion of the profits generated daily.
The main difference with other investment products is that this savings insurance works in such a way that your capital does not fluctuate with market fluctuations and volatility. Instead, your return will come from the profits earned by Allianz Leben-AG over the years you have your Allianz Perspektive with us.
Taking out our savings insurance will help you grow your money so you can fulfill your dreams tomorrow.
Allianz Global d’Ara Perspektive is an innovative solution that allows you to create a savings plan.
With Allianz Perspektive, your savings will grow regularly and securely, thanks to investments in diversified assets made by experienced wealth management professionals.
Another advantage is that a portion of your returns are consolidated, so you won’t lose the profits you’re making if you maintain your investment for the agreed-upon period.
With your Allianz Perspektive savings insurance, you can withdraw your money starting in the first year after the contract is formalized.
Please note that by purchasing your insurance policy, you agree to keep your capital for a specific period of time. Therefore, if you decide to withdraw your money before the agreed-upon time, additional costs may apply.
We know that investing is complex, so if you have any questions, you can contact one of our advisors.
Indeed. If you purchase Allianz Perspektive Savings Insurance, you are acquiring a long-term financial product. We want your money to provide the best possible return, so for your capital to work for you, it needs to be kept working for approximately 12 years. However, the agreed term may vary, and everything will be agreed upon at the beginning of the contract.
We know that purchasing savings insurance can be complicated at times. To resolve any questions you may have, you can always contact your trusted broker or find the advisor nearest to you. Our team of professionals can explain all the features of our product and answer any questions you may have.
Allianz Global d’Ara Perspektive is one of the best guaranteed savings insurance policies, which means that when you purchase your insurance policy, you’ll know from the very beginning what income and minimum capital you’ll have fully guaranteed at the end of the agreed-upon period. In other words, at Allianz Leben-AG, we are firmly committed to ensuring that your savings provide the best return if you choose to rely on our financial products.
Furthermore, we currently work with Allianz Leben-AG, a leading German insurance company with a solvency ratio of 320% and more than €300 billion in financial assets. The strength of the Allianz brand, combined with investment in low-volatility assets, make Allianz Perspektive the best savings insurance in which you can deposit your money.
The capital you receive at the end of the agreed-upon period when you take out your Allianz Perspektive guaranteed savings insurance is taxed on your income tax return as “income from movable capital.”
If you decide to receive an income for your entire life instead of the entire capital at once, you will have access to significant reductions each year. This way, you can benefit from significant annual tax reductions in accordance with current legislation.
In the event of death, you will be subject to inheritance and gift tax.
If you need any advice when taking out a guaranteed savings insurance, remember that you can contact our expert financial advisors.
Perspektive is a single-premium savings insurance policy. This means that you’ll make your first contribution when you purchase the product, and from then on, the money will work for you.
If you’d like to make another contribution to Allianz Perspektive, you’ll have the option to purchase another policy within the limits established by the company. Leave us your details and we’ll provide you with all the information you need.
Allianz Global d’Ara Perspektive can be purchased from anyone over 18 years of age and up to 75 years of age. Once this age is reached, it is no longer possible to purchase Allianz Perspektive savings insurance.
If you prefer guaranteed savings products, are between 18 and 75 years old, and have some initial capital available, purchasing this savings insurance is the best option to achieve the best return.
At Allianz Global d’Ara, we want to take care of your money just like you do. That’s why we offer you one of the best savings insurance plans, with which you can always check the progress of your investments:
- Select the option in the top right corner of the screen and access the Private Area.
- Log in with your username and password. If you haven’t registered, follow the steps below.
- By accessing your Allianz Perspektive policy, you can check the progress of your investment values.
- Additionally, you will receive an email each year with the updated values.
If you have any questions, you can consult our experts to clarify everything about how your savings insurance works or visit the customer portal.
Other savings/investment insurance for you
Unit Linked
Looking for an alternative to current investments that barely yield returns? Unit Linked is the best option.
Allianz Capital
Your single-premium investment product that allows you to receive periodic withdrawals until the balance is exhausted.
Flexible term
It’s an investment option that allows you to choose the term that best suits your needs, between 2 and 5 years.
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