Allianz School For Life

Allianz believes that resilient individuals and communities need to feel empowered and confident to make the decisions that shape their lives. Access to credible financial and risk education strengthens that resilience.

Allianz School For Life is designed to make high-quality financial and risk knowledge accessible to anyone who is interested at no cost and with no barriers.

Financial and risk knowledge is fundamental to making informed decisions. It builds independence, confidence, and long-term resilience and over time, creates the foundation for greater financial security.

Yet in many countries, financial and risk education is structurally absent.

• 1 in 5 students miss baseline financial literacy (OECD PISA, 2022) 
• More than 70% of adults fail basic financial questions (Allianz Research, 2020) 
• Personal finances are the #1 worry for Millennials and Gen Z (Allianz 3AM, 2025) 
• Fewer than 30 of 195 countries mandate financial education (OECD INFE, 2015) 
• 1 in 3 people globally are struggling financially to cover basic needs (Allianz 3AM Report, 2026)

Addressing this gap is both a societal responsibility and a long-term investment in the resilience of the communities where Allianz operates.

The learning platform is designed for everyone, with a special focus on young people. Allianz believes that building financial habits and knowledge early helps shape better outcomes in life.

The platform is organized into four age-based paths, each aligned to the financial moments and choices that matter most at that life stage:

• Children (ages 6–10, with parental guidance) Childhood is where good money habits often begin. Children discover what money is, learn to make smart choices, and develop positive saving habits.
  o   Learn about money, spending, and saving through stories
  o   Practice spending, saving and basic budgeting decisions
  o   Build good money safety habits from an early age

• Teens (ages 11–15) The teenage years are when financial decisions sharpen. Teens practice budgeting skills, learn to balance wants and needs, and gain tools to make independent money decisions.         
  o   Track spending and create a first budget
  o   Define life goals, build savings, and form long-term wealth mindset early on
  o   Spot scams, avoid debt traps, and protect money online

• Young Adults (ages 16–24) Adulthood is when real-world financial life begins. Young adults navigate first paychecks, credit, and investments while building skills for lasting financial independence.
  o   Understand a payslip, plan a detailed budget, and stay on track
  o   Build savings, understand investment principles, and plan ahead
  o   Understand debt, master banking basics, and stay financially secure

• Adults (ages 25+) Financial wellness meets life's complexity. Adults develop strategic planning skills, protect what matters most, and transform income into long-term wealth and security.       
  o   Understand different income sources and strategies to grow yours
  o   Build a safety net, invest smartly, and manage debt wisely
  o   Optimize banking, know your risks, and protect your future wealth

Beyond individual learners, the platform supports parents, teachers, educators, coaches, NGOs, and public and private sector organizations working toward the same goal: empowering individuals and communities to be more financially capable, risk-aware, and resilient.

Allianz School for Life was developed by Allianz employees volunteering their expertise from across the world, from risk, investment, finance, sustainability, learning, and to communications. What united our employees was a shared conviction that financial and risk knowledge should be accessible to as many people as possible, helping to equip people with the confidence to make sound decisions, understand and protect against risks, and be able to confidently shape their own futures. 

The curriculum is grounded in the EU/OECD Financial Competence Framework for Children and Youth (European Commission and OECD/INFE, 2023), a globally recognized framework defining the financial literacy competences children and young people need to make sound decisions on personal finance and was reviewed and validated by an expert panel of NGOs, as well as by our own Allianz Research.

Allianz School For Life launches with its first course, "Money Made Simple," an introductory financial education curriculum covering:

• Money and Transactions: money and currencies, income, prices, purchases and payments, financial records and contracts.
• Planning and Managing Finances: budgeting, managing income and expenditure, saving, investing, longer-term planning and asset building, retirement, credit, debt management.
• Risk and Rewards: identifying risks, financial safety nets and insurance, balancing risk and reward.
• The Financial Landscape: regulation and consumer protection, rights and responsibilities, financial education, information and advice, scams and fraud.

Yes. Allianz School For Life is completely free and open to all. Allianz believes critical financial and risk education should have no barriers to access.

The platform is designed as a public-good initiative:

• No paywall 
• No commercial intent 
• No required purchase of any products or services

Yes. The platform offers ready-to-use teaching materials for:

• Educators and schools 
• NGOs and community organizations 
• Employers and training providers

Materials such as presentations and PDFs can be downloaded and used independently in classrooms, workshops, or community settings.