Allianz Insurance Company Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Allianz Score
4.5 Stars
Allianz was founded in Berlin in 1890, and first expanded its services to the United States in 1896. Today, Allianz claims to be the world’s leading global financial services company, with a presence in 70 different countries and more than 100 million customers worldwide.
In the United States, Allianz is a provider of life insurance, annuities, and travel insurance.
A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Allianz an “A+” rating — the highest available — indicating the carrier is a superior choice for insurance customers.
We award Allianz a final rating of 4.5 out of 5 stars. The carrier’s extremely rich history, massive size, global reach, and financial strength clearly demonstrate its reputation as a trustworthy insurance company with commendable staying power. However, customers complain that the carrier’s websites are difficult to navigate, which can lead to confusion and frustration when trying to file claims or look up other pertinent information.
Allianz’s official websites are also sorely lacking when it comes to information about discounts and pricing. However, the fact that the carrier works with independent insurance agents also helps make them more accessible to loyal and prospective customers, as does the carrier’s social media presence and mobile app. All in all, we rate Allianz as one of our top picks for your life insurance needs.
Allianz Pros and Cons
The following pros and cons may help you decide if Allianz is a good carrier option for your life insurance needs.
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Allianz Insurance Products
Globally, Allianz offers several types of coverages that cater to both individuals and businesses. In the United States, the carrier offers:
- Travel insurance
- Life insurance (term and permanent)
Talk to an independent insurance agent to find out more about the specific products offered by Allianz.
What Discounts Does Allianz Offer?
Allianz does not provide information about any discounts it might offer. An independent insurance agent can help you find out how to get the best rates from Allianz.
Allianz Customer Service
Allianz allows customers to handle claims through their website 24/7. Other customer service options, such as viewing policy documents, are available through the official website as well.
- Policyholders can check the status of their claims online at any time.
Allianz’s line for customer service has the following hour restrictions:
| Days | Hours (CT) | ||
| Monday-Thursday | 7:00 am - 6:00 pm | ||
| Friday | 7:00 am - 5:00 pm |
Allianz sells coverage through a vast network of brokers, including independent insurance agents. Independent insurance agents are also available to handle claims and insurance concerns for you, making customer service even easier.
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Allianz FAQs
Allianz’s claims reporting hotline is available for customers in need via a toll-free phone number at restricted hours. Customers can also submit claims and file appropriate reports online at any time.
Allianz’s official website makes the following promise about its claim processing time frame:
“Upon receipt of the required documents, we will process your claim within 10 business days or within the applicable state requirements.”
Allianz offers a toll-free phone line for prospective and current customers to get in touch with them at slightly restricted hours, Monday through Friday. However, claims can be reported online 24/7. The carrier can also be reached by customers via its Facebook, X, Instagram, YouTube, or LinkedIn pages. The carrier does not have a live chat option, which limits customer service availability slightly.
Customers have the option to report claims over the phone, by mail, or through Allianz’s website. The official website outlines the claims process as follows:
“Step One: Get started.
Begin the process by filling out a few questions about the annuity contract owner or life insurance policy owner or by calling one of our representatives.
Step Two: Return claim form packet to Allianz.
After you contact us, the designated primary beneficiary will be mailed our claim form packet. The packet includes contract-specific information that must be completed and returned to us.
Step Three: Processing.
Upon receipt, the Allianz Claims department will evaluate your claim within 10 business days. We will contact the beneficiary for additional information if needed.”
Customers are also able to check the status of their claims through the carrier’s website.
Allianz has multiple websites, including its life insurance website, Allianz USA website, travel insurance website, and global corporate website. This can make navigation a bit more complex and time-consuming for prospective customers who are exploring the carrier's options. That being said, their respective websites are fairly intuitive, informative, and easy to browse, though some customers noted frustration while doing so.
Allianz also has a social media presence across multiple platforms and offers mobile apps for smartphone users. Overall, Allianz creates a mostly user-friendly experience for customers.
https://www.allianzlife.com
https://www.allianz.com/en/about-us/company/products-services/usa.html
https://www.allianz.com/en.html
https://www.allianztravelinsurance.com
https://www.allianzlife.com/why-allianz
https://www.bbb.org/us/va/henrico/profile/insurance-companies/allianz-global-assistance-0603-4001660/customer-reviews