Allianz leads German insurers in guarantees shake-up

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German life insurers are pioneering new temporary guarantee concepts in a bid to reduce their exposure to a prolonged low interest rate environment.

Allianz Germany is set to launch a deferred annuity product in July with different guaranteed interest rates for the accumulation phase and pay-out phase. Other German life companies are also understood to be experimenting with ‘abschnittsgarantien' – temporary guarantees – which offer policyholders a high rate of return for a period of time and the

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