Frequently Asked Questions

If you own an Allianz policy or contract and have registered your account online, you can log into your account here.

Complete the quick two-step registration process to access your Allianz account online. You will need to verify your name, Social Security number, and date of birth.

If you own an Allianz policy or contract, you can register for online access.

By registering your account online, you will have access to contract values, statements, the ability to change allocations, and access to yearly tax statements. You will also be able to download additional service forms pertaining to your contract or policy.

When logged in to your account, you can make changes to your contract allocations and beneficiary. You can also update your address, email, username, password, or mobile phone number. You may also be able to request a withdrawal or schedule a required minimum distribution (RMD) payment stream.

Please complete our Forgot password form and we will email a temporary password to the email address associated with your account.

If you forgot your username, please complete our Forgot username form and we will email your username to the email address associated with your account.

We do not currently allow beneficiaries to create an online account.

Yes. To set up a trust account online please contact website support at 800.950.3347.

Claims

Yes, if a claim isn't filed within a certain number of years it is considered unclaimed property and would be sent to the state in accordance with applicable state requirements.

You can begin the claims process online or by contacting us by phone. Our Claims Information page will help you learn about the process and what information you will need to provide.

If I want to elect annuitization payments to receive the death benefit, are there any time periods I need to be concerned with? Icon Caret Down Describe me please

Yes, the taxation of the death benefit proceeds for annuity payments is affected by the length of time between the date of death and the date the first payment goes out.

• For tax-qualified annuities, your first annuity payment must be issued by December 31 in the year after the death to avoid potential tax penalties.
• For non-tax-qualified annuities, your first annuity payment must be made within one year from the date of death.
• If your first non-tax-qualified annuity payment is issued after one year from the date of death, the following will occur:
  • We will report the entire taxable portion of the death benefit in the year in which the first payment is made. This means that although you will not have full access to the funds in a lump sum, you could have a taxable event.
  • You will also need to complete Section 5 tax withholding information if you wish to elect out of federal tax withholding. If you do not elect out of withholding, an amount equal to 10% withholding of the taxable amount for federal income tax (plus any mandatory state income tax if applicable) will be withheld. The amount of income tax withheld will reduce the death benefit value dollar for dollar.
  • After the taxable amount is reported to you as income, you will not be taxed on this amount again when annuity payments begin; instead, only earnings from the annuity payments will be taxable each year.

  If you will receive the first payment outside of these timeframes, contact us to discuss your specific situation.

  Once I’ve submitted my beneficiary claim form packet, how long will it take to process? Icon Caret Down Describe me please

  Upon receipt of the required documents, we will process your claim within 10 business days or within the applicable state requirements.

  Forms Icon Caret Down Describe me please

  Policies and contracts

  Where can I find my policy or contract statement? Icon Caret Down Describe me please

  First log in, then visit “Accounts.”

  How do I find past statements? Icon Caret Down Describe me please

  Past statements on active Allianz policies and contracts are available online. Log in and then go to "Archived Statements."

  How can I find my policy or contract value? Icon Caret Down Describe me please

  First log in, then click on the policy or contract number(s) displayed under "My Account."

  How do I change my address and other contract information? Icon Caret Down Describe me please

  Address changes can be made online. Log in and go to "Personal Accounts."

  Or, download the form below associated with your contract or policy and log in to upload the completed form.

  Alternatively, you can submit the form via email, mail, or fax.

  How do I change my account allocations? Icon Caret Down Describe me please

  To change your account allocation, log in and go to " Personal Accounts."

  How do I change my beneficiary information? Icon Caret Down Describe me please

  Beneficiary changes can be made online. Log in and go to "Personal Accounts."

  Or, download the form below associated with your contract or policy and log in to upload the completed form.

  Alternatively, you can submit the form via email, mail, or fax.

  Mail
  Allianz Life Insurance Company of North America
  PO Box 1344
  Minneapolis, MN 55416-1297

  How do I request a withdrawal from my annuity contract or life insurance policy? Icon Caret Down Describe me please

  Requests for a withdrawal from a fixed annuity can be made online. Log in and go to “Personal Accounts.”

  Download the form below associated with your contract or policy and log in to upload the completed form.

  Alternatively, you can submit the form via email, mail, or fax.

  Mail
  Allianz Life Insurance Company of North America
  PO Box 1344
  Minneapolis, MN 55416-1297

  How can I take the required minimum distribution (RMD) from my policy or contract? Icon Caret Down Describe me please

  Requests to take the required minimum distribution from a fixed annuity can be made online. Log in and go to “Personal Accounts.”

  To request your RMD withdrawal, please download and complete the form associated with your contract or policy and log in to upload the completed form.

  • Fixed annuity - withdrawal request
    
  • Variable and index variable annuity

  Alternatively, you can submit the form via email, fax, or mail:

  Mail
  PO Box 59060
  Minneapolis, MN 55459-0060

  Mail
  PO Box 561
  Minneapolis, MN 55440-0561
  

  How do I find performance information for variable investment options? Icon Caret Down Describe me please

  Once you’ve registered your account online, you can log in and use our Price & Performance tool which provides detailed variable investment option performance.

  General Tax Correspondence

  Allianz Life Insurance Company of North America (Allianz), its affiliated companies, and their representatives and employees do not provide legal or tax advice. We encourage you to consult your tax and/or legal advisor with any related questions.

  When can I expect to receive my year-end tax forms? Icon Caret Down Describe me please

  We will mail IRS Forms 1099-R and 5498 by January 31, 2024. Please allow 5-7 business days to receive your tax form(s) by mail. After January 31, you can check to see if your tax forms are also available online by registering or logging in to your account and going to “Current Statements." Please note that online tax forms under “Current Statements” are not available for some clients . Allianz does not issue any tax reporting for custodial IRAs or contracts owned by qualified retirement plans such as pension plans, Keogh plans, 401(k) plans, or defined benefit plans.

  Where do I find my Form 1099-R statement? Icon Caret Down Describe me please

  We will mail Form 1099-R by January 31, 2024. After January 31, you can check to see if your Form 1099-R is also available online by registering or logging in to your account and going to "Current Statements." Please note that online tax forms under “Current Statements” are not available for some clients.

  Where do I find my Form 5498 statement? Icon Caret Down Describe me please

  We will mail Form 5498 by January 31, 2024. After January 31, you can check to see if your Form 5498 is also available online by registering or logging in to your account and going to "Current Statements." Please note that online tax forms under “Current Statements” are not available for some types of contract owners.

  Form 1099-R

  Allianz Life Insurance Company of North America (Allianz), its affiliated companies, and their representatives and employees do not provide legal or tax advice. We encourage you to consult your tax and/or legal advisor with any related questions.

  Why did I receive an IRS Form 1099-R from Allianz? Icon Caret Down Describe me please

  A Form 1099-R is used to report transactions that occur between January 1 and December 31 of the previous tax year from financial products such as life insurance or annuities. These transactions typically include, but are not limited to:

  • Distributions (e.g., Required Minimum Distributions (RMDs), loans from nonqualified annuities, full or partial surrenders, annuitization payments, and annuity claim proceeds).
  • Collateral assignments or taxable ownership changes on nonqualified annuities.
  Why is the “Taxable amount not determined” Box 2b checked? Icon Caret Down Describe me please

  For a nonqualified annuity, Allianz did not receive the after-tax contribution (cost basis) information from the previous company. Please consult a tax professional to determine this amount.

  This box is also generally checked for a distribution from an IRA (Traditional, SEP, SIMPLE or Roth). If you have made any nondeductible contributions to an IRA, you should consult your tax professional to determine how much of the IRA distribution should be reported as taxable income. The IRS instructions require reporting on IRS Form 1099-R in this manner.

  Why did I receive multiple Form 1099-Rs? Icon Caret Down Describe me please

  If you received distributions from multiple contracts, you will get a Form 1099-R for each contract. Please refer to the “Account number” box on the Form 1099-R.

  The IRS requires the use of specific distribution codes for different types of distributions which need to be reported separately. See your Form 1099-R instructions regarding Box 7 for IRS distribution code information.

  If you had a taxable distribution in more than one resident state in a calendar year, a separate Form 1099-R would generate for the distribution amount received while a resident of each state.

  Why was the IRA distribution reported as a taxable event when it was sent to another company as a transfer? Icon Caret Down Describe me please

  If Allianz did not receive IRA transfer paperwork and a letter of acceptance from the other company, even if the check was made payable to the other company, we report the transaction on Form 1099-R because we do not have confirmation that the distribution went directly into an IRA at another company. If the distribution did go directly into an IRA at another company, please provide us with confirmation of this from the receiving company.

  Why was the IRA distribution reported as a taxable event when I rolled it over to another company? Icon Caret Down Describe me please

  If you perform an eligible 60-day rollover (indirect rollover), the IRS Form 5498 from the receiving company should report the receipt of the indirect rollover contribution. You should consult a tax professional for information on the proper income tax reporting of an indirect rollover from an IRA.

  Reminder : If you complete an IRA-to-IRA indirect rollover, you generally cannot, within a 12-month period from the date you received the distribution, make another indirect rollover of a distribution from any of your IRAs to another IRA.

  Why is there a taxable amount on a loan from a nonqualified annuity? Icon Caret Down Describe me please

  A loan from a nonqualified annuity is considered a taxable event (if there were gains in the contract up to the amount of the loan), even if it was paid back in the same year. Your cost basis has been increased to the extent of any gain reported on Form 1099-R as taxable, so you will not be taxed on this amount twice.

  Why is there a taxable amount on a loan from a 403(b) annuity contract? Icon Caret Down Describe me please

  If you defaulted on loan payments from a 403(b) contract, the remaining loan balance is reported as taxable; however, the loan is still outstanding.

  I thought only my gains were taxable on a distribution from a nonqualified annuity. Why is the total distribution amount reported in Box 1 (Gross distribution)? Icon Caret Down Describe me please

  The total distribution amount will be reported in Box 1 (Gross distribution), the taxable portion of the distribution will be reported in Box 2a (Taxable amount), and the non-taxable portion of the distribution [the portion attributable to any after-tax contribution (cost basis)] will be reported in Box 5.

  I did a section 1035 exchange of my nonqualified annuity or life insurance policy. Why did I get a Form 1099-R? Icon Caret Down Describe me please

  A section 1035 exchange is reportable, but not taxable. The Form 1099-R is the supporting document to show the amount of gains and the cost basis amount, if known, that were sent to the other company. Box 2a will be 0.00 to show that this is a nontaxable transaction.

  Form 5498

  Allianz Life Insurance Company of North America (Allianz), its affiliated companies, and their representatives and employees do not provide legal or tax advice. We encourage you to consult your tax and/or legal advisor with any related questions.

  What is the purpose of this IRA Contribution Information form? Why did I get this? Icon Caret Down Describe me please

  As the issuer of the Individual Retirement Annuity (IRA), we are required to provide you and the IRS information on your contract annually. IRS Form 5498 is used for reporting IRA contribution information, such as contributions and rollovers to Traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. Form 5498 is also used to report the year-end Fair Market Value information for your annuity. This form is for your records only and does not need to be attached to your submitted income tax return. The information on the form will be furnished to the IRS by the required due date.

  I sent money from another IRA directly into this IRA at Allianz. Why does the Form 5498 show no contributions? Icon Caret Down Describe me please

  Money that was sent directly from one IRA into another IRA is considered a transfer. A transfer is not reported on a Form 5498. The transfer amount is added into your Fair Market Value in Box 5. Since a transfer is also not reported on an IRS Form 1099-R, you should not receive a 1099-R from the previous company for a transfer.

  I took receipt of money from another IRA and later placed it into this IRA at Allianz. Where does this amount show on my Form 5498? Icon Caret Down Describe me please

  An IRA-to-IRA indirect rollover occurs when money is received by you from one IRA and redeposited into another IRA within 60-days of receipt of the funds. You should receive a Form 1099-R from the distributing company. Allianz reports any amount that it receives via this method in Box 2 (Rollover Contributions) on Form 5498. If any portion of this distribution is not redeposited within 60 days, this portion will be considered taxable and no longer qualifies as a rollover contribution.

  Reminder : If you complete an IRA-to-IRA indirect rollover, you generally cannot, within a 12-month period from the date you received the distribution, make another indirect rollover of a distribution from any of your IRAs to another IRA.

  My employer made contributions to a SEP IRA. Are these contributions stated on this form? Icon Caret Down Describe me please

  Any employer contributions will show as SEP IRA contributions. Employer contributions to a SEP IRA will be reported in Box 8. Any Traditional IRA contributions you make directly to the SEP IRA will be reported in Box 1. Employer contributions are required to be reported on the form for the year the contributions are received. Traditional IRA contributions are reported on the form for the year for which the contributions were made.

  What is the amount that I am allowed to contribute to my Traditional IRA and/or Roth IRA for year 2023? Icon Caret Down Describe me please

  The general limit – the most that can be contributed to your Traditional IRA and/or Roth IRA – is the lesser of the following amounts: $6,500.00 ($7,500.00 if you are age 50 or older) or your earned income for the year. Please consult a tax advisor on specifics regarding contributions for Traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs.

  What is the due date (last date) that I can make a contribution for tax year 2023 to my Traditional IRA and/or Roth IRA? Icon Caret Down Describe me please

  If your Traditional or Roth IRA contract allows for additional premium, your contribution must be sent to a company-approved mailing address and postmarked by the due date for filing your return for that year, not including extensions. For most individuals, contributions for 2023 must be postmarked no later than April 15, 2024. This date is always subject to change by the U.S. Department of the Treasury; we encourage you to speak with your tax professional if you have questions about your due date.

  An IRA contract must be established by the 2023 tax filing deadline (without extensions) for a contribution to be reported as a contribution on a 2023 IRS Form 5498. This means, for most individuals, a pending IRA contract must be issued no later than April 15, 2024 for a contribution to be reported as a contribution for 2023.

  If you have more than one Allianz contract, please verify that you have specified the correct contract number. Allianz does not accept starter checks. If you would like your contribution to be recorded for the 2023 tax year, please write “2023 contribution” on your check or in a letter of instruction. If “2023 contribution” is not on your check or letter of instruction, we will apply the money as a 2024 contribution. If you make a contribution for 2023 between January 1, 2024 and the due date, your 2023 IRS Form 5498 will be updated to reflect the new contribution amount and will be mailed to you by May 31, 2024.

  What if my employer is able to make a SEP IRA contribution for 2023 in 2024? Icon Caret Down Describe me please

  SEP IRA contributions Allianz receives in 2024 will be reported on the 2024 Form 5498, even when the employer deducts the SEP contribution on their 2023 tax return. Please consult a tax professional for any questions related to this reporting.

  My contract is annuitized and I’m receiving annuity payments; what is my required distribution amount? Icon Caret Down Describe me please

  Once your contract is annuitized, each annuity payment is considered your Required Minimum Distribution (RMD).

  If my contract is annuitized, and the annuity payments are more than what the Required Minimum Distribution (RMD) from the contract would have been if it were not annuitized, can I use the excess to apply to RMDs from any other IRAs I own? Icon Caret Down Describe me please

  Yes. SECURE 2.0 Act allows any excess RMD from the annuity payments to be applied towards any RMD due from other IRAs you may own. Please see your tax professional if you have questions on using any excess RMD from your annuity payments towards RMD for other IRA contracts you may own.

  How do I know if a Required Minimum Distribution (RMD) is needed from my contract? What is the RMD age? Icon Caret Down Describe me please

  If Box 11 is checked on IRS Form 5498, then you are required to take an RMD from your contract. An RMD may be required even if the box is not checked, such as from an Inherited IRA. You can also ask your tax professional if an RMD is required from your contract.

  Note: As part of SECURE 2.0 Act of 2022, signed into law on December 29, 2022, the RMD age has changed for people who were born in 1951 or later. For those born in 1951, their first RMD will not be due until they turn age 73.

  How do I know if Required Minimum Distributions (RMDs) have been set up on my contract? Icon Caret Down Describe me please

  If you have registered for an online account, this information can be found by logging in to our secured website. Once logged in, go to My Policy,” select “Overview & Values,” and scroll down to “Required Minimum Distribution Values” section. If the “Scheduled RMD” indicates “No,” then RMD payments have not been set up on the contract being viewed.

  How do I request my Required Minimum Distribution (RMD) payment? Icon Caret Down Describe me please

  If you have an RMD due in 2024, an RMD Election Form can be completed and submitted to us by mail or fax. The mailing address and fax number are provided on the form for your convenience. The RMD Election Form is provided below under the section titled “Forms."

  If you have registered for an online account, you may have the ability to request RMD payments online by logging in to your secure account through our website. Under “My Policy,” select “Withdrawal Funds,” select “Start,” select “Set up RMD payment schedule,” and follow the prompts to complete the request.

  You can also reach out to your financial professional to assist you in setting up RMD.

  Looking for a form not listed here? Icon Caret Down Describe me please

  Log in to find additional forms.

  How do I submit forms? Icon Caret Down Describe me please

  Upload
  Log in to your account to upload the completed form.

  Mail
  
  Fixed Annuities & Life Insurance
  Allianz Life Insurance Company of North America
  PO Box 59060
  Minneapolis, MN 55459-0060

  Variable Annuities
  Allianz Life Insurance Company of North America
  PO Box 561
  Minneapolis, MN 55440-0561

  All Overnight Mail
  Allianz Life Insurance Company of North America
  5701 Golden Hills Drive
  Minneapolis, MN 55416-1297

  Request to Change Contract Information Icon Caret Down Describe me please

  You can update your address, email, and mobile phone number online. Log in or register and go to " Personal Accounts."

  Or, download the form below associated with your contract or policy and log in to upload the completed form.

  Transfer Ownership and/or Change Beneficiaries Icon Caret Down Describe me please Withdrawal Request Icon Caret Down Describe me please

  Download the form below associated with your contract or policy and log in to upload the completed form.

  Required minimum distribution (RMD) Icon Caret Down Describe me please State Tax Withholding Guide Icon Caret Down Describe me please

  Consumer Protection

  How can I verify that my financial professional is properly qualified and licensed? Icon Caret Down Describe me please

  Know your salesperson before you buy any financial product. Contact your state insurance department to make sure he or she is properly licensed, or go online to BrokerCheck at www.finra.org to learn more about your registered representative.

  How does Allianz ensure that my best interests are protected when purchasing an annuity or life insurance? Icon Caret Down Describe me please

  Allianz uses disclosure documents to help inform you of the costs and benefits of each product before you buy – and that’s why we give you time to examine the product and cancel it for a full refund. We follow a variety of procedures to verify that any annuity contract or life insurance policy you buy from us meets your stated needs.

  What is insurance fraud and how do I protect myself? Icon Caret Down Describe me please

  Insurance fraud can be broadly defined as an intentional act or omission undertaken to gain unjustified or unlawful benefits and advantages. There are some steps you can take to help prevent this from happening to you:

  • Review your contract upon receipt to make sure it reflects the premium you paid and the benefits you purchased, as well as the correct allocations, beneficiaries, contact information, etc
  • Make sure your financial institution has your correct address, email, and phone number. Your financial professional should never ask to have correspondence sent directly to his or her office or home address.
  • Review all statements and mailings. If there are changes to your account, make sure you requested them. Call your financial institution if you notice discrepancies.
  • Consider signing up for online documents to reduce the risk that paper statements will be lost or stolen in the mail. Log in to set your online document preferences.
  • Safeguard your passwords. Don’t write them down or share them with anyone – even your financial professional – and never email them to anyone.
  • Store sensitive documents in a safety deposit box or other secure location.
  • Shred sensitive documents when you no longer need them.
  • Never give out personal information in response to correspondence or a phone call you didn’t initiate.

  What measures does Allianz have in place to help protect me from fraud? Icon Caret Down Describe me please

  To help protect you from fraud, Allianz provides periodic statements of your product’s activity. We also monitor your product for suspicious requests or transactions, and confirm any changes to your account in writing.

  How can I avoid potential policy issues related to mail delivery delays? Icon Caret Down Describe me please

  We encourage all clients to plan ahead to avoid delays with physical mail that could negatively impact your life insurance policy. This includes the potential cancellation or nonrenewal of policies due to nonpayment of premium. Here are steps you can take to help protect yourself:

  Know when payments are due. If you’re not sure when premium is due or how much you need to pay, contact us or confirm with your financial professional. You can also find past premium payment information by registering or logging in to our website.

  Schedule secure automatic premium payments. Avoid mail delays with recurring automatic payments. Register or log in to access these forms online.

  Use direct deposit to receive secure electronic payments. Save time and skip the bank line by signing up for direct deposit for one-time and recurring withdrawals. Register or log in to access these forms online.

  Make a phone payment. You can call us to process an authorized debit of your bank account by phone. When you make a payment, write down confirmation numbers, print receipts, and/or take screen shots. We do not currently accept payments through our website.

  Keep proof of payment/mailing. If you must use the United States Postal Service (USPS) to pay premium, allow significant additional time and protect yourself by using the priority mail service or by securing a Certificate of Mailing. These can be obtained at any USPS kiosk or service counter.

  Sign up for online document delivery . You can sign up to receive notifications when new statements and other correspondence is available online. To do so, register or log in to your account, click on your name in the upper-right corner, and select “Delivery Preferences” from the drop-down menu. Please note that email notifications are not available for premium payment updates. You will still receive a physical notice by mail and can call us anytime to coordinate payment by phone.

  Note: While applicable to clients in every state, this information is provided in partnership with the Maryland Insurance Administration based on a recent consumer advisory notice.