The Allianz 3am Report
What keeps us all awake at night.

Unpaid bills at the end of the month, growing debts, unpleasant prospects for pensions and the fear of not spending them correctly. If you have money worries you are not alone; they are the second biggest concern in the world. And in Indonesia, it’s the issue that worries people most. It’s also dominant among Millennials worldwide (48%), whose finances are keeping them from sleep. 

For us, it’s a mission. We are here to help people achieve financial security and pursue their dreams. 

A feeling of insecurity outside your door, accidents on the roads, frequent disaster warnings for your region. One in three people feel a threat to personal safety; this worry ranks among the top three around the globe. Especially in France, a significant proportion of residents feel insecure (44%). Worldwide more than a third of Baby Boomers are worried about their safety (41%).

This persistent feeling of living in a dangerous world is a significant dent in quality of life for many. We will work tirelessly to help people feel protected at every stage of their life.

Will my kids live an acceptable life? Will the dire predictions we hear come true? Will the sun rise on an even worse day tomorrow? Not everybody sees a bright future. In fact, a third of the world’s population worries about it. In Turkey (42%) it is even the most common reason for lying awake at night. Facing an uncertain future is also what really concerns Gen Z.

Many of us can’t see the promise of a better tomorrow or no longer believe that promise. It’s our mission to secure people’s future – for every generation, no matter where.

Getting canceled by society or overruled by radicals. Living in times of war or battling crisis after crisis. Social injustice, political instability and global crises are concerns that keep many people up at night. Particularly in Germany, where fear of political disruption is ranked second (43%). “Will I be heard tomorrow?” This is also what Baby Boomers are asking themselves at 3am.

We are listening. We’ll do everything we can to make people feel safe at any time. 

Suffocated oceans and forests on fire. Heat waves and heavy floods. Poisoned soil and polluted air. Worries about climate change, environmental pollution and the resulting effects are not particular to just a few individuals or certain segments of society. On the contrary, one out of four people all over the world see this is as a real threat; in Italy it’s shared by a third of the population (33%).

Baby Boomers appear to be the most environmentally conscious generation, while Gen Z, for example, are more likely to be kept awake by other concerns. For us, we see it as our responsibility to work even harder to protect the environment.

Cutting jobs, increasing workload, looming burnout, a career that is just not taking off. Uncertainties in working life are anything but individual concerns. They are the root of sleepless nights for a quarter (24%) of the world's population. Indonesians worry the most about topics around their professional life.

Gen Zers everywhere struggle to find sleep due to concerns about job security, career development, job satisfaction, work-life balance and job performance. Our job is clear. To support people’s financial security and personal wellbeing so they can thrive professionally.

Can I even afford an apartment anymore? How safe is my neighborhood? Will I regret the move? Will housing costs ruin me in the end? We all need shelter, and these questions are asked by many at 3am around the world. Australians in particular are worried about housing (36%).

As well as millennials, who are kept awake by growing uncertainties around their home. We know that a safe home is the foundation for a secure life – and sweet dreams.

The university door is swinging closed. Continuing education at work has been canceled. Another year at school is not possible. Concerns about school, further education, and personal growth are widespread. Especially in Indonesia, where personal development is a major concern (25%).

Just like Gen Z, they lie awake at night worrying about their goals and abilities. We understand that financial literacy is a crucial part of a good education and a good life.

Your partner cheats on you. An uncle divides the family. Your parents separate. Long-time friends no longer pick up the phone. You are not alone in worrying about difficult relationships, toxic partnerships, and broken friendships - many around the world do the same (14%). Australians in particular fear personal conflicts, separations, and the resulting loneliness. Among generations, this causes Gen Z the most sleepless nights.

We are committed to supporting and bringing together people and their personal communities all around the world. After all, it’s in our name.

Big Tech becomes more frightening every day. Machines are increasingly controlling our lives. These triggers of individual fears are causing concern for many people around the globe. Rapid technological progress and its impact on professional and private life is keeping people awake at night, especially in Australia (16%). But Gen Z is also thinking about technological change at 3am. 

On our side, we love the benefits of technology. But we work primarily with something that makes people feel secure: personal contact.