{"statusCode":200,"result":{"totalCount":60,"resultCount":60,"items":[{"Category":"Ratewatch","Database":"web","DisplayName":"Business Rule","HasChildren":true,"Icon":"/-/icon/Applications/32x32/view_add.png.aspx","ID":"{4AA0FC41-6315-4F02-B1FB-DA99E2C55C63}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{4AA0FC41-6315-4F02-B1FB-DA99E2C55C63}","MediaUrl":"/-/icon/Applications/48x48/view_add.png.aspx","Name":"Business Rule","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Business Rule","Template":"User Defined/Allianz/Global/Folders/Disclosure Folder","TemplateId":"{E679201E-1937-4A3C-B6AB-F6CA31AC0605}","TemplateName":"Disclosure Folder","Url":"~/link.aspx?_id=4AA0FC4163154F02B1FBDA99E2C55C63\u0026amp;_z=z","Version":1,"Fields":{}},{"Category":"Ratewatch","Database":"web","DisplayName":"Introduction","HasChildren":true,"Icon":"/-/icon/Applications/32x32/view_add.png.aspx","ID":"{4EDC4716-295F-4648-9CD6-AB66F9A45E71}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{4EDC4716-295F-4648-9CD6-AB66F9A45E71}","MediaUrl":"/-/icon/Applications/48x48/view_add.png.aspx","Name":"Introduction","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Introduction","Template":"User Defined/Allianz/Global/Folders/Disclosure Folder","TemplateId":"{E679201E-1937-4A3C-B6AB-F6CA31AC0605}","TemplateName":"Disclosure Folder","Url":"~/link.aspx?_id=4EDC4716295F46489CD6AB66F9A45E71\u0026amp;_z=z","Version":1,"Fields":{}},{"Category":"Ratewatch","Database":"web","DisplayName":"Form Number","HasChildren":true,"Icon":"/-/icon/Applications/32x32/view_add.png.aspx","ID":"{46F11489-0247-4BDD-9456-C53108A19E73}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{46F11489-0247-4BDD-9456-C53108A19E73}","MediaUrl":"/-/icon/Applications/48x48/view_add.png.aspx","Name":"Form Number","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Form Number","Template":"User Defined/Allianz/Global/Folders/Disclosure Folder","TemplateId":"{E679201E-1937-4A3C-B6AB-F6CA31AC0605}","TemplateName":"Disclosure Folder","Url":"~/link.aspx?_id=46F1148902474BDD9456C53108A19E73\u0026amp;_z=z","Version":1,"Fields":{}},{"Category":"Ratewatch","Database":"web","DisplayName":"222","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{9E1B1389-B0B5-4FDF-96EE-9CC0C0190E17}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{9E1B1389-B0B5-4FDF-96EE-9CC0C0190E17}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"222","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/222","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=9E1B1389B0B54FDF96EE9CC0C0190E17\u0026amp;_z=z","Version":49,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e Annual point-to-point, 2-year MY point-to-point, and 5-year MY point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e Index not available in Iowa.\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with a participation rate crediting methods is 5%. The minimum annual participation rate for the MY 2-year and MY 5-year point-to-point with a participation rate crediting methods is 5%.\u0026nbsp;The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value. To receive the PIV, including the bonus, the contract must be held for at least 10 contract years, and then lifetime income withdrawals must be taken. You will not receive the bonuses if the contract is fully surrendered or if traditional annuitization payments are taken. If it is partially surrendered the PIV will be reduced proportionally, which could result in a partial loss of bonuses. Income withdrawals are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to 59\u0026frac12;, a 10% federal additional tax. Because this is a bonus annuity, it may include higher surrender charges, longer surrender charge periods, lower caps, or other restrictions that are not included in similar annuities that don\u0027t offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95352-MVA, ICC16C54370-MVA).\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"222 Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{90C06200-941A-4F18-81DE-FBD18A7503B3}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{90C06200-941A-4F18-81DE-FBD18A7503B3}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"222 Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/222 Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=90C06200941A4F1881DEFBD18A7503B3\u0026amp;_z=z","Version":3,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e+ Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e\u0026nbsp;MY 5-year point-to-point crediting method is subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e\u0026nbsp;MY 2-year point-to-point and MY 5-year point-to-point crediting methods are not available in New Hampshire.\u0026nbsp;\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e In Indiana, the ACR is 0%.\u003c/p\u003e\n\u003cp\u003eThe rates and allocation charge percentage specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary and may be higher or lower than prior rates but will not be less than the guaranteed minimums stated in the Statement of Understanding. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value. To receive the PIV, including the value of these bonuses, the contract must be held for at least 10 contract years and then lifetime withdrawals must be taken between the ages of 60 and 100. The PIV is not available as a lump sum. Clients will not receive these bonuses if the contract is fully withdrawn or if traditional annuity payments are taken. If the client takes any type of withdrawal the PIV will be reduced proportionally. Withdrawals are subject to ordinary income tax and, if taken prior to age 591/2, a 10% federal additional tax. Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower rates, or other restrictions that are not included in similar annuities that do not offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, R95881-03-MVA, ICC23C64997-MVA)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/fixed\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/222-plus\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/secured/knowledge-center/tools-and-resources/presentation/understanding-rate-lock-for-fixed-index-annuities\" target=\"_self\"\u003eUnderstanding Rate Lock for FIAs\u003c/a\u003e (for financial professional \u0026ndash; log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/rider-charge-management-criteria\"\u003eAllocation charge criteria\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"222 state exceptions","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{CFCFCAA1-02B0-4B0B-A521-6F8565417F92}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{CFCFCAA1-02B0-4B0B-A521-6F8565417F92}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"222 state exceptions","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/222 state exceptions","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=CFCFCAA102B04B0BA5216F8565417F92\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e Annual point-to-point and 2-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e Index not available in Iowa.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e Not available in New Hampshire.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum participation rate for the annual point-to-point with a participation rate and the 2-year point-to-point with a participation rate crediting methods is 5.0%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value. To receive the PIV, including the bonus, the contract must be held for at least 10 contract years, and then lifetime income withdrawals must be taken. You will not receive the bonuses if the contract is fully surrendered or if traditional annuitization payments are taken. If it is partially surrendered the PIV will be reduced proportionally, which could result in a partial loss of bonuses. Income withdrawals are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to 59\u0026frac12;, a 10% federal additional tax. Because this is a bonus annuity, it may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0027t offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C54370-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Allianz Benefit Control Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{6D18B014-8627-46DD-96D5-CDB04EDCD73F}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{6D18B014-8627-46DD-96D5-CDB04EDCD73F}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Allianz Benefit Control Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Allianz Benefit Control Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=6D18B014862746DD96D5CDB04EDCD73F\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e+ Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e\u0026nbsp;MY 5-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.00%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e\u0026nbsp;MY 2-year point-to-point and MY 5-year point-to-point crediting methods are not available in New Hampshire.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e In Indiana, the ACR is 0%.\u003c/p\u003e\n\u003cp\u003eThe rates and allocation charge percentage specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary and may be higher or lower than prior rates but will not be less than the guaranteed minimums stated in the Statement of Understanding. The minimum fixed interest rate is 0.10%. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value (PIV). To receive the PIV, including the value of these bonuses, lifetime withdrawals must be taken. The PIV is not available as a lump sum. Clients will not receive these bonuses if the contract is fully withdrawn or if traditional annuity payments are taken. If the client takes any type of withdrawal the PIV will be reduced proportionally. Withdrawals are subject to ordinary income tax and, if taken prior to age 59\u0026frac12;, a 10% federal additional tax. Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower caps, lower participation rates, or other restrictions that are not included in similar annuities that don\u0027t offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, R95581-02-MVA, ICC23C64997-MVA)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/fixed\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/benefit-control-plus\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/secured/knowledge-center/tools-and-resources/presentation/understanding-rate-lock-for-fixed-index-annuities\" target=\"_self\"\u003eUnderstanding Rate Lock for FIAs\u003c/a\u003e (for financial professional \u0026ndash; log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/rider-charge-management-criteria\"\u003eAllocation charge criteria\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"222 without new crediting method","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{110BF61E-71E9-4B60-9933-7419FE95B620}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{110BF61E-71E9-4B60-9933-7419FE95B620}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"222 without new crediting method","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/222 without new crediting method","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=110BF61E71E94B6099337419FE95B620\u0026amp;_z=z","Version":5,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum annual participation rate for the annual point-to-point with participation rate crediting method is 10%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value. To receive the PIV, including the bonus, the contract must be held for at least 10 contract years, and then lifetime income withdrawals must be taken. You will not receive the bonuses if the contract is fully surrendered or if traditional annuitization payments are taken. If it is partially surrendered the PIV will be reduced proportionally, which could result in a partial loss of bonuses. Income withdrawals are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to 59\u0026frac12;, a 10% federal additional tax. Because this is a bonus annuity, it may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0027t offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C54370-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"360","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{400CC7B6-7926-47F7-82B8-571E4175E50D}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{400CC7B6-7926-47F7-82B8-571E4175E50D}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"360","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/360","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=400CC7B6792647F782B8571E4175E50D\u0026amp;_z=z","Version":36,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The annual rider charge is deducted on monthly basis from the accumulation value and guaranteed minimum value (in most states). The initial rider charge percentage is guaranteed for the first contract year. After the first contract year, the rider charge percentage can change each contract year, but can only be increased when specific criteria are met and will never be greater than the maximum rider charge percentage of 3%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e Index not available in Iowa.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with a participation rate crediting methods is 5%. The minimum annual participation rate for the MY 2-year and MY 5-year point-to-point with a participation rate crediting methods is 5%.\u0026nbsp;The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eBonus annuities may include higher surrender charges, longer surrender periods, lower caps, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a bonus. The bonus is credited each year the selected allocations earn interest. During the first 10 contract years, we will apply a surrender charge if the contract is partially or fully surrendered. These charges may result in a loss of indexed interest and fixed interest bonus and a partial loss of principal (premium).\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95316-MVA, ICC16C54370-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"360 without new crediting method","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{6284EE02-86F4-488A-AAE8-0266BA5CE7A1}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{6284EE02-86F4-488A-AAE8-0266BA5CE7A1}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"360 without new crediting method","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/360 without new crediting method","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=6284EE0286F4488AAAE80266BA5CE7A1\u0026amp;_z=z","Version":5,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eThe annual rider charge is deducted on monthly basis from the accumulation value and guaranteed minimum value (in most states).\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%.  The minimum annual participation rate for the annual point-to-point with participation rate crediting method is 10%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eBonus annuities may include higher surrender charges, longer surrender periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a bonus. The bonus is credited each year the selected allocations earn interest. During the first 10 contract years, we will apply a surrender charge if the contract is partially or fully surrendered. These charges may result in a loss of indexed interest and fixed interest bonus and a partial loss of principal (premium).\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95316-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"365i","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{15BF7FC6-F240-43FE-AB45-74134E6569A2}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{15BF7FC6-F240-43FE-AB45-74134E6569A2}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"365i","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/365i","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=15BF7FC6F24043FEAB4574134E6569A2\u0026amp;_z=z","Version":17,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eThe bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11\u003csup\u003eth\u003c/sup\u003e contract year, when 100% will be vested. If you surrender your contract before the 11\u003csup\u003eth\u003c/sup\u003e contract year, you will lose the unvested bonus. Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a premium bonus feature. During the first 10 contract years, we will apply a surrender charge and unvested bonus reduction if you partially or fully surrender your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium).\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u0026nbsp;\u003c/sup\u003eThe annual rider charge is 1.20% of the Protected Income Value, deducted on a monthly basis from the accumulation value and guaranteed income value (in most states). \u003c/p\u003e\n\u003cp\u003e* 2.0% in CT.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Bloomberg Barclays U.S. Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95331-01-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{FDF78CD6-E3B6-4553-81A8-175574B11784}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{FDF78CD6-E3B6-4553-81A8-175574B11784}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=FDF78CD6E3B6455381A8175574B11784\u0026amp;_z=z","Version":18,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e\u0026nbsp;New business rates are subject to change each month. After the second year, renewal rates will be declared on the contract anniversary and guaranteed for the following contract year. While we manage renewal rates off of the base rate, they may vary from year to year.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e\u0026nbsp;Index not available in Iowa.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e MY 2-year point-to-point, and MY 5-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.00%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%. The specific criteria we monitor are the annual average US 10-year Treasury rate for the calendar year, corporate bond downgrades for the calendar year, and investment-grade corporate bond defaults for the calendar year. We chose these criteria because they are related to the performance of the assets we use to provide the guaranteed portions of our fixed index annuities. Keep in mind that if the charge is triggered and implemented on the product, it may persist beyond the market conditions that triggered the charge. For more information refer to M-7381.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with a participation rate crediting method is 10%. The minimum annual participation rate for the MY 2-year and MY 5-year point-to-point with a participation rate crediting methods is 5%.\u0026nbsp;The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003e(C64237-MVA, ICC17C64237-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage 7","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{A8431ADE-CC33-45E1-9C3A-D8A24EB9BDDF}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{A8431ADE-CC33-45E1-9C3A-D8A24EB9BDDF}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage 7","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage 7","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=A8431ADECC3345E19C3AD8A24EB9BDDF\u0026amp;_z=z","Version":8,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e MY point-to-point crediting method is only available to allocate to during the first 7 contract years. See the Statement of Understanding (SOU) for more details.\u003c/p\u003e\n\u003cp\u003eThe caps, participation rates, triggered interest rate, and interest rates specified are set at issue and guaranteed for the first crediting period.  Subsequent rates will be set on each contract anniversary.  The minimum trigger interest rate is 0.15%.  The minimum annual cap for the annual point-to-point with a cap crediting method is 0.25%.  The minimum participation rate for the annual point-to-point with a participation rate and the 2-year MY point-to-point with a participation rate crediting methods is 5%.  The minimum fixed interest rate is 0.10%.  Rates may vary by state. \u003c/p\u003e\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/fixed\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/Annuities/Fixed-Index-Annuities/Accumulation-Advantage-7\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/secured/knowledge-center/tools-and-resources/presentation/understanding-rate-lock-for-fixed-index-annuities\" target=\"_self\"\u003eUnderstanding Rate Lock for FIAs\u003c/a\u003e (for financial professional \u0026ndash; log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/rider-charge-management-criteria\"\u003eAllocation charge criteria\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{9CA15136-FB27-4872-BE68-BF64FA01EC76}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{9CA15136-FB27-4872-BE68-BF64FA01EC76}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=9CA15136FB274872BE68BF64FA01EC76\u0026amp;_z=z","Version":12,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e+ Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11th contract year, when 100% will be vested. If you withdraw your contract before the 11th contract year, you will lose the unvested bonus. During the first 10 contract years, we will apply a withdrawal charge, market value adjustment, and unvested bonus reduction if you partially or fully withdraw your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year. These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium). Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower caps, lower participation rates, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a premium bonus feature.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e\u0026nbsp;Enhanced rates for monthly sum, annual point-to-point, performance trigger, highest daily value, and MY 2-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.95%. After contract issue, the maximum allocation charge percentage is 0.95%. \u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e Standard and Enhanced participation rates for MY 5-year point-to-point crediting method are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage for Standard participation rates is 0% with a maximum of 2.50%. The current allocation charge for Enhanced participation rates is 0.95%. After contract issue, the allocation charge percentage for standard and enhanced participation rates\u0026nbsp;can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.50%. The specific criteria we monitor are the annual average U.S. 10-year Treasury rate for the calendar year, corporate bond downgrades for the calendar year, and investment-grade corporate bond defaults for the calendar year. We chose these criteria because they are related to the performance of the assets we use to provide the guaranteed portions of our fixed index annuities. Keep in mind that if the charge is triggered and implemented on the product, it may persist beyond the market conditions that triggered the charge. For more information refer to M-7381.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u003c/sup\u003e MY point-to-point crediting methods are only available to allocate to during the first 10 contract years. See the Statement of Understanding (SOU) for more details.\u003c/p\u003e\n\u003cp\u003eThe caps, participation rates, trigger interest rate, and interest rates specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each new crediting period. The minimum monthly cap for the monthly sum with a cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with a cap crediting method is 0.25%. The minimum trigger interest rate is 0.15%. The minimum annual participation rate for the annual point-to-point with a participation rate crediting method is 5%. The minimum annual participation rate for the MY 2-year and MY 5-year point-to-point with a participation rate crediting methods is 5%. The minimum annual fixed interest rate is 0.10%. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA, C64997-MVA-ID)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/fixed\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/Annuities/Fixed-Index-Annuities/Accumulation-Advantage-Plus\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/secured/knowledge-center/tools-and-resources/presentation/understanding-rate-lock-for-fixed-index-annuities\" target=\"_self\"\u003eUnderstanding Rate Lock for FIAs\u003c/a\u003e (for financial professional \u0026ndash; log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/rider-charge-management-criteria\"\u003eAllocation charge criteria\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage National","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{D2BCE79B-43FA-4893-B423-B306189E5AD8}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{D2BCE79B-43FA-4893-B423-B306189E5AD8}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage National","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage National","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=D2BCE79B43FA4893B423B306189E5AD8\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e Index not available in Iowa.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum annual participation rate for the annual and 2-year annual point-to-point with participation rate crediting method is 10.00%.\u003c/p\u003e\n\u003cp\u003e(C64237-MVA, R95528-01-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage with rider","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{0D28288B-C196-4211-A11C-0334FE4778E6}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{0D28288B-C196-4211-A11C-0334FE4778E6}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage with rider","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage with rider","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=0D28288BC1964211A11C0334FE4778E6\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp class=\"ratewatch-footnote-1\"\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eThe premium bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11\u003csup\u003eth\u003c/sup\u003e contract year, when 100% will be vested. If the contract is surrendered before the 11\u003csup\u003eth\u003c/sup\u003e contract year, you will lose the unvested bonus. During the first 10 contract years, we will apply a withdrawal charge and unvested bonus reduction if a partial or full withdrawal is taken from the contract. The same would apply if the contract owner begins annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (premium). An MVA may also apply. Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a premium bonus feature.\u003c/p\u003e\n\u003cp class=\"ratewatch-footnote-2\"\u003e\u003csup\u003e2\u0026nbsp;\u003c/sup\u003eThe Dual Bonus Benefit Rider is optional when the Allianz Accumulation Advantage Annuity is purchased and is available for an annual cost of 0.95%, which we calculate at the beginning of every contract year and deduct monthly from the accumulation value.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with participation rate crediting method is 10.00%.\u003c/p\u003e\n\u003cp\u003e(C64237-MVA, R95528-01-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage 5","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{FA3E0E3F-5312-4FB9-99B3-F1EE116B1456}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{FA3E0E3F-5312-4FB9-99B3-F1EE116B1456}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage 5","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage 5","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=FA3E0E3F53124FB999B3F1EE116B1456\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e MY point-to-point crediting method is only available to allocate to during the first 5 contract years. See the Statement of Understanding (SOU) for more details.\u003c/p\u003e\n\u003cp\u003eThe caps, trigger interest rates, participation rates, and interest rates specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary. The minimum trigger interest rate is 0.15%. The minimum annual cap for the annual point-to-point with a cap crediting method is 0.25%. The minimum participation rate for the annual point-to-point with a participation rate and the 2-year MY point-to-point with a participation rate crediting methods is 5%. The minimum fixed interest rate is 0.10%. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage without new crediting method","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{6CFB4D72-7FE8-4E6E-A434-32F23C47C7C0}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{6CFB4D72-7FE8-4E6E-A434-32F23C47C7C0}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage without new crediting method","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage without new crediting method","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=6CFB4D727FE84E6EA43432F23C47C7C0\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with participation rate crediting method is 10.00%.\u003c/p\u003e\n\u003cp\u003e(C64237-MVA, R95528-01-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Allianz Benefit Control","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{20A31B7E-F902-45FF-B24B-7596D1768458}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{20A31B7E-F902-45FF-B24B-7596D1768458}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Allianz Benefit Control","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Allianz Benefit Control","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=20A31B7EF90245FFB24B7596D1768458\u0026amp;_z=z","Version":15,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+ \u003c/sup\u003eIndex Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eAnnual point-to-point, 2-year MY point-to-point, and 5-year MY point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.00%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u0026nbsp;\u003c/sup\u003eIndex not available in Iowa.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum annual participation rate for the annual point-to-point with a participation rate crediting methods is 5%. The minimum annual participation rate for the MY 2-year and MY 5-year point-to-point with a participation rate crediting methods is 5%.\u0026nbsp;The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003eThe premium bonus and interest bonus are credited only to the Protected Income Value (PIV). To receive the PIV, including the value of these bonuses, lifetime withdrawals must be taken. The PIV is not available as a lump sum. Clients will not receive these bonuses if the contract is fully withdrawn or if traditional annuity payments are taken. If the client takes a partial withdrawal the PIV will be reduced proportionally, which could result in a partial loss of bonuses. Lifetime withdrawals are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to age 59 1/2, an additional 10% federal tax. Bonus annuities may include higher withdrawal charges, longer withdrawal charge periods, lower caps, lower participation rates, or other restrictions that are not included in similar annuities that don\u0027t offer a bonus feature.\u003c/p\u003e\n\u003cp\u003e(C64237-MVA, R95581-01-MVA, ICC17C64237-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage 5 WF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{9971CD9D-D642-498F-B48D-F0FD2A2F202C}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{9971CD9D-D642-498F-B48D-F0FD2A2F202C}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage 5 WF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage 5 WF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=9971CD9DD642498FB48DF0FD2A2F202C\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe caps, trigger interest rates, and interest rates specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary. The minimum trigger interest rate is 0.15%. The minimum annual cap for the annual point-to-point with a cap crediting method is 0.25%. The minimum fixed interest rate is 0.10%. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage 5 JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{F9F405A6-D461-4460-BB34-CE98C5B5A33C}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{F9F405A6-D461-4460-BB34-CE98C5B5A33C}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage 5 JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage 5 JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=F9F405A6D4614460BB34CE98C5B5A33C\u0026amp;_z=z","Version":1,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e MY point-to-point crediting method is only available to allocate to during the first 5 contract years. See the Statement of Understanding (SOU) for more details.\u003c/p\u003e\n\u003cp\u003eThe rates specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary and may be higher or lower than prior rates but will not be less than the guaranteed minimums stated in the Statement of Understanding. The minimum fixed interest rate is 0.10%. Rates may vary by state.\u003c/p\u003e\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Accumulation Advantage Classic","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{E161F7FF-AE75-4DA0-9A93-249CB010A673}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{E161F7FF-AE75-4DA0-9A93-249CB010A673}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Accumulation Advantage Classic","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Accumulation Advantage Classic","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=E161F7FFAE754DA09A93249CB010A673\u0026amp;_z=z","Version":1,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u003c/sup\u003e Index Lock feature available\u003c/p\u003e\r\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e Enhanced rates for monthly sum, annual point-to-point, performance trigger, highest daily value, and MY 2-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.95%. After contract issue, the maximum allocation charge percentage is 0.95%.\u003c/p\u003e\r\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e Standard and Enhanced participation rates for MY 5-year point-to-point crediting method are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage for Standard participation rates is 0% with a maximum of 2.50%. The current allocation charge for Enhanced participation rates is 0.95%. After contract issue, the allocation charge percentage for standard and enhanced participation rates can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.50%. The specific criteria we monitor are the annual average U.S. 10-year Treasury rate for the calendar year, corporate bond downgrades for the calendar year, and investment-grade corporate bond defaults for the calendar year. We chose these criteria because they are related to the performance of the assets we use to provide the guaranteed portions of our fixed index annuities. Keep in mind that if the charge is triggered and implemented on the product, it may persist beyond the market conditions that triggered the charge. For more information refer to M-7381.\u003c/p\u003e\r\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e MY point-to-point crediting methods are only available to allocate to during the first 10 contract years. See the Statement of Understanding (SOU) for more details.\u003c/p\u003e\r\n\u003cp\u003eThe rates specified above are set at issue and guaranteed for the first crediting period. Subsequent rates will be set on each contract anniversary and may be higher or lower than prior rates but will not be less than the guaranteed minimums stated in the Statement of Understanding. The minimum fixed interest rate is 0.10%. Rates may vary by state. \u003c/p\u003e\r\n\u003cp\u003e(C64997-MVA, ICC23C64997-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Asset Pro Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{82427BB0-4A0C-4DA6-B04A-A73C0976E116}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{82427BB0-4A0C-4DA6-B04A-A73C0976E116}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Asset Pro Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Asset Pro Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=82427BB04A0C4DA6B04AA73C0976E116\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.10%.\u003c/p\u003e\n\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.25%.\u003c/p\u003e\n\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e The guaranteed minimum participation rate is set at issue for the life of the policy and will never be less than 5.00%.\u003c/p\u003e\n\n\u003cp\u003e\u003csup\u003e4\u003c/sup\u003e Premium Discount Rate does not apply to the first year premium. The Premium Discount Rate is guaranteed on an annual basis and will never be less than 0.25%.\u003c/p\u003e\n\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Bloomberg U.S. Aggregate Bond Index (35%), EURO STOXX 50\u0026reg; Index (20%), Russell 2000\u0026reg; Index (10%).\u003c/p\u003e\n\n\u003cp\u003eAllianz True Balance is comprised of the S\u0026P 500\u0026reg; Index (50%) and Bloomberg US Aggregate RBI Series 1 Index (50%).\u003c/p\u003e\n\n\u003cp\u003eThe indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in or receive dividend payments from any of them through the policy.\u003c/p\u003e\n\n\u003cp\u003e(P64090)\u003c/p\u003e\n"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Connections","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{472418CB-DA24-4078-AC4F-4E219846335F}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{472418CB-DA24-4078-AC4F-4E219846335F}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Connections","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Connections","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=472418CBDA244078AC4F4E219846335F\u0026amp;_z=z","Version":11,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe annual rider charge will never be less than the minimum charge of 0.50% or exceed the maximum of 2.50% for single or 2.75% for joint.\u003c/p\u003e\n\u003cp\u003eOnce we issue a rider, we can change the rider charge on any quarterly anniversary subject to the maximums and minimums stated here. However, in any 12-month period we cannot increase/decrease the rider charge for Income Protector more than 0.50%.\u003c/p\u003e\n\u003cp\u003eThe rates for the annual increase percentage and the number of guarantee years used to calculate the Benefit Base, and payment percentages table used to calculate your Lifetime Plus Payments, will be stated in your contract. We can change these rates for new business monthly. These rates cannot be changed after we issue your rider. Rates can be different for newly issued and inforce riders, and for inforce riders issued on different days and in different years.\u003c/p\u003e\n\u003cp\u003eFor newly issued contracts we determine the rates you receive by using the date you sign your application, the date we receive the application, and the date we receive your initial purchase payment, as detailed on the rate sheet supplement. If between the date you signed your application and the issue date the rates for Income Protector have increased and the rider charge has not increased, you may receive the current Income Protector rider with the higher/improved rates and current rider charge that are available on the issue date, rather than the rider with the rates and rider charge that you applied for as detailed on the rate sheet supplement.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus and product overview for the applicable Allianz Life Insurance Company of North America (Allianz) variable annuity.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eFor more complete information about variable annuities and variable investment options from Allianz, call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Core Income 7 Custom","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{9C090455-F470-427A-97CA-5EF67FFD927F}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{9C090455-F470-427A-97CA-5EF67FFD927F}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Core Income 7 Custom","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Core Income 7 Custom","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=9C090455F470427A97CA5EF67FFD927F\u0026amp;_z=z","Version":19,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+\u0026nbsp;\u003c/sup\u003eIndex Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1 \u003c/sup\u003eThe annual rider charge is deducted on monthly basis from the accumulation value and guaranteed minimum value (in most states). The initial rider charge percentage is guaranteed for the first contract year. After the first contract year, the rider charge percentage can change each contract year, but will never be greater than the maximum rider charge percentage of 1.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2 \u003c/sup\u003eNot available in IA.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum participation rate for the annual point-to-point with a participation rate and the 2-year point-to-point with a participation rate crediting methods is 5%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95374-02-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Endurance Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{596277CD-DC8E-415F-9197-A8890FD00AF2}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{596277CD-DC8E-415F-9197-A8890FD00AF2}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Endurance Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Endurance Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=596277CDDC8E415F9197A8890FD00AF2\u0026amp;_z=z","Version":3,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe bonus and enhanced interest are credited only to the Enhanced Withdrawal Benefit (EWB) value. To receive the EWB value, including the bonus, the contract must be held for at least 10 years, and then EWB payments must be taken over at least an additional 10 years under one of two EWB income options. You will not receive the bonus or enhanced interest if the contract is fully surrendered or if traditional annuitization payments are taken. If it is partially surrendered the EWB value will be reduced, which could result in a partial loss of bonus and enhanced interest. EWB payments are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to 59\u0026frac12;, a 10% federal additional tax. Because this is a bonus annuity, it may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0027t offer a premium bonus.\u003c/p\u003e\n\u003cp\u003eThe Select Index Allocation charge is 1.00%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Barclays Capital U.S. Aggregate Bond Index (35%), FTSE 100 (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003e(C50915)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{B77AD92E-C028-4E90-A72F-B8852E5D3195}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{B77AD92E-C028-4E90-A72F-B8852E5D3195}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=B77AD92EC0284E90A72FB8852E5D3195\u0026amp;_z=z","Version":10,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cdiv class=\"easy-print-NoPrint-root-1A10 easy-print-NoPrint-_force-1-C_\"\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://www.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=C216C5B46BBD458A8D744F74DB6FE058\u0026amp;_z=z target=\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=BAD6DFE537EE40AB86B915D0AC6365C8\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/define-your-downside\" target=\"_blank\"\u003eDefine Your Downside Risk Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Dual Precision Strategy 6-year term trigger rate: 8%; Index Performance Strategy 3-year term cap: 5%; Index Dual Precision Strategy 3-year term trigger rate: 4%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate: 2%; 1-year term Index Protection Strategy with trigger rate: 1.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{B25124BF-0754-4766-8AB8-3BF9A0916F94}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{B25124BF-0754-4766-8AB8-3BF9A0916F94}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=B25124BF075447668AB83BF9A0916F94\u0026amp;_z=z","Version":9,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=23C6DF63B9144E349B346DC3FED29EDD\u0026amp;_z=z\" target=\"_self\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Dual Precision Strategy 6-year term trigger rate: 8%; Index Performance Strategy 3-year term cap: 5%; Index Dual Precision Strategy 3-year term trigger rate: 4%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate: 2%; 1-year term Index Protection Strategy with trigger rate: 1.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus Income","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{0C5A4E87-17B4-4197-8416-F46F64D26461}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{0C5A4E87-17B4-4197-8416-F46F64D26461}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus Income","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus Income","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=0C5A4E8717B441978416F46F64D26461\u0026amp;_z=z","Version":9,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://www.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=BDD36CCFFCAD4D788C27EA1E2A34D4C5\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=2DA4B4D3F3634931906095233744CD80\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/define-your-downside\" target=\"_blank\"\u003eDefine Your Downside Risk Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Dual Precision Strategy 6-year term trigger rate: 8%; Index Performance Strategy 3-year term cap: 5%; Index Dual Precision Strategy 3-year term trigger rate: 4%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate: 3%; 1-year term Index Protection Strategy with trigger rate and Index Protection Strategy with cap \u0026ndash; cap and trigger rate: 0.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary, adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus Income JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{8562CC9D-2AD0-4FFA-8496-33084BD9C887}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{8562CC9D-2AD0-4FFA-8496-33084BD9C887}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus Income JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus Income JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=8562CC9D2AD04FFA849633084BD9C887\u0026amp;_z=z","Version":7,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=05BD7452C4674D8CBD49E6070DF2837B\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Dual Precision Strategy 6-year term trigger rate: 8%; Index Performance Strategy 3-year term cap: 5%; Index Dual Precision Strategy 3-year term trigger rate: 4%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate: 3%; 1-year term Index Protection Strategy with trigger rate and Index Protection Strategy with cap \u0026ndash; cap and trigger rate: 0.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary, adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus NF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{D64D7844-5FC8-46DC-B5B0-4A8A63303DDD}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{D64D7844-5FC8-46DC-B5B0-4A8A63303DDD}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus NF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus NF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=D64D78445FC846DCB5B04A8A63303DDD\u0026amp;_z=z","Version":9,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003e\u003ca\u003eLinks\u003c/a\u003e\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://preview.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=A1A1BA0550064852955700AA88A21A83\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=B60BC6CF43A241AE8DD7EE8BBC5CE93A\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/define-your-downside\" target=\"_blank\"\u003eDefine Your Downside Risk Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 5%; Index Dual Precision Strategy 6-year term trigger rate: 3%; Index Performance Strategy 3-year term cap: 2%, Index Dual Precision Strategy 3-year term trigger rate: 1%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate, Index Protection Strategy with trigger rate: 0.10%.\u003c/p\u003e\n\u003cp\u003eDeduction of the withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus NF JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{C06E3B36-3677-4224-A7D4-7D0F842DEC50}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{C06E3B36-3677-4224-A7D4-7D0F842DEC50}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus NF JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus NF JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=C06E3B3636774224A7D47D0F842DEC50\u0026amp;_z=z","Version":7,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=8DFA7E5656064531B783BD0C66AB568B\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e \u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 5%; Index Dual Precision Strategy 6-year term trigger rate: 3%; Index Performance Strategy 3-year term cap: 2%, Index Dual Precision Strategy 3-year term trigger rate: 1%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate, Index Protection Strategy with trigger rate: 0.10%.\u003c/p\u003e\n\u003cp\u003eDeduction of the withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus NF WF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{8BA92DA8-968D-4D84-861B-28C2592C3241}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{8BA92DA8-968D-4D84-861B-28C2592C3241}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus NF WF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus NF WF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=8BA92DA8968D4D84861B28C2592C3241\u0026amp;_z=z","Version":5,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003e\u003ca\u003eLinks\u003c/a\u003e\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://preview.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=A1A1BA0550064852955700AA88A21A83\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=B60BC6CF43A241AE8DD7EE8BBC5CE93A\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 5%; Index Performance Strategy 3-year term cap: 2%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Dual Precision Strategy trigger rate, Index Protection Strategy with trigger rate: 0.10%.\u003c/p\u003e\n\u003cp\u003eDeduction of the withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{9C669880-C37B-449E-A9AD-0C4743C642E9}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{9C669880-C37B-449E-A9AD-0C4743C642E9}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=9C669880C37B449EA9AD0C4743C642E9\u0026amp;_z=z","Version":33,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003c!--    \u003cli\u003e\u003ca href=\"-/media/files/allianz/pdfs/index-rates/ixa_012_declared.pdf?la=en\u0026amp;hash=E487F18223603868137B017E9D35219FD67023EA\" target=\"_blank\"\u003eDeclared rates September 6, 2017 – October 2, 2017 \u003cspan class=\"link-pdf\"\u003e(PDF)\u003c/span\u003e\u003c/a\u003e\u003c/li\u003e --\u003e\r\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=F301483931A4458B8AC95845E63F6857\u0026amp;_z=z\" target=\"_blank\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\r\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Performance Strategy 3-year term cap: 5%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy precision rate, Index Protection Strategy DPSC: 1.50%.\u003c/p\u003e\r\n\u003cp\u003eDeduction of the annual product fee of 0.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for Allianz Index Advantage\u0026reg; Variable Annuity and the Allianz Index Advantage\u0026reg; client brochure, product profile, and index strategy inserts. \u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFor more complete information about the variable options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable and index options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage WF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{61A266AE-37DB-4434-ADB8-3005C854C848}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{61A266AE-37DB-4434-ADB8-3005C854C848}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage WF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage WF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=61A266AE37DB4434ADB83005C854C848\u0026amp;_z=z","Version":12,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://www.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=C216C5B46BBD458A8D744F74DB6FE058\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=BAD6DFE537EE40AB86B915D0AC6365C8\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Performance Strategy 3-year term cap: 5%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy trigger rate: 2%; 1-year term Index Protection Strategy with trigger rate: 1.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage ADV","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{5AF90EB5-92D3-4974-AB3D-4BF0DCE3DA4B}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{5AF90EB5-92D3-4974-AB3D-4BF0DCE3DA4B}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage ADV","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage ADV","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=5AF90EB592D34974AB3D4BF0DCE3DA4B\u0026amp;_z=z","Version":21,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 3-year term cap: 5%; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy precision rate, Index Protection Strategy DPSC: 1.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 0.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for Allianz Index Advantage ADV\u003csup\u003e\u0026reg;\u003c/sup\u003e Variable Annuity and the Allianz Index Advantage ADV\u003csup\u003e\u0026reg;\u003c/sup\u003e client brochure, product profile, and index strategy inserts. \u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eFor more complete information about the variable options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable and index options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index. \u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Core Income 7","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{10885B50-29BB-43E4-8A7F-09BE24F89DA3}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{10885B50-29BB-43E4-8A7F-09BE24F89DA3}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Core Income 7","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Core Income 7","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=10885B5029BB43E48A7F09BE24F89DA3\u0026amp;_z=z","Version":21,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e+ \u003c/sup\u003eIndex Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1 \u003c/sup\u003eThe annual rider charge is deducted on monthly basis from the accumulation value and guaranteed minimum value (in most states). The initial rider charge percentage is guaranteed for the first contract year. After the first contract year, the rider charge percentage can change each contract year, but can only be increased when specific criteria are met and will never be greater than the maximum rider charge percentage of 1.25%.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for the length of the crediting period. They are declared at issue and at the end of the crediting period. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum participation rate for the annual point-to-point with a participation rate and the 2-year point-to-point with a participation rate crediting methods is 5%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003e(C54370-MVA, R95374-02-MVA)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Income","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{C0F69ED6-F517-47E3-BBCC-2FFEFE3C0AC7}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{C0F69ED6-F517-47E3-BBCC-2FFEFE3C0AC7}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Income","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Income","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=C0F69ED6F51747E3BBCC2FFEFE3C0AC7\u0026amp;_z=z","Version":16,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=611D2FDA9FC24E2490EF491C3FF4AD9B\u0026amp;_z=z\" target=\"_blank\"\u003eProspectus \u003cspan class=\"link-pdf\"\u003e\u003c/span\u003e\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\r\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Performance Strategy 3-year term cap: 5%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy precision rate: 3%; 1-year term Index Protection Strategy with DPSC and Index Protection Strategy with cap: 0.50%.\u003c/p\u003e\r\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for Allianz Index Advantage Income\u003c/strong\u003e\u003cstrong\u003e\u003csup\u003e\u0026reg;\u003c/sup\u003e\u003c/strong\u003e\u003cstrong\u003e Variable Annuity and the Index Advantage Income\u003c/strong\u003e\u003cstrong\u003e\u003csup\u003e\u0026reg;\u003c/sup\u003e\u003c/strong\u003e\u003cstrong\u003e client brochure, product profile, and index strategy inserts.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFor more complete information about the variable option, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable and index options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Income WF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{FE218B39-C1B3-4594-A8A2-F357B9475457}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{FE218B39-C1B3-4594-A8A2-F357B9475457}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Income WF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Income WF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=FE218B39C1B34594A8A2F357B9475457\u0026amp;_z=z","Version":10,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"https://www.allianzlife.com/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e\u0026nbsp;(log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca rel=\"noopener noreferrer\" href=\"~/link.aspx?_id=BDD36CCFFCAD4D788C27EA1E2A34D4C5\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=2DA4B4D3F3634931906095233744CD80\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Performance Strategy 3-year term cap: 5%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate: 3%; 1-year term Index Protection Strategy with trigger rate and Index Protection Strategy with cap: 0.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 1.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary, adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Income ADV","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{C43CC313-7BCF-4B8B-B87D-6F38C1A8E1CE}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{C43CC313-7BCF-4B8B-B87D-6F38C1A8E1CE}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Income ADV","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Income ADV","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=C43CC3137BCF4B8BB87D6F38C1A8E1CE\u0026amp;_z=z","Version":17,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=FD23D42031B14EF683BFCD2FCE5EFEAA\u0026amp;_z=z\"\u003eProspectus\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=D0F2F5110B70479D86E683C4752FEAD1\u0026amp;_z=z\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/define-your-downside\" target=\"_blank\"\u003eDefine Your Downside Risk Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Dual Precision Strategy 6-year term trigger rate: 8%; Index Performance Strategy 3-year term cap: 5%; Index Dual Precision Strategy 3-year term trigger rate: 4%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy 1-year term trigger rate: 3%; 1-year term Index Protection Strategy with trigger rate and Index Protection Strategy with cap \u0026ndash; cap and trigger rate: 0.50%.\u003c/p\u003e\n\u003cp\u003eDeduction of the annual product fee of 0.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Income ADV WF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{6D3A1905-ACDB-488D-A8F2-548A2BA2D36C}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{6D3A1905-ACDB-488D-A8F2-548A2BA2D36C}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Income ADV WF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Income ADV WF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=6D3A1905ACDB488DA8F2548A2BA2D36C\u0026amp;_z=z","Version":11,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=FD23D42031B14EF683BFCD2FCE5EFEAA\u0026amp;_z=z\"\u003eProspectus \u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=D0F2F5110B70479D86E683C4752FEAD1\u0026amp;_z=z\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eRILA Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\r\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term cap: 10%; Index Performance Strategy 3-year term cap: 5%; participation rate: 100% for Index Performance Strategy 3-year term and 6-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy trigger rate: 3%; 1-year term Index Protection Strategy with trigger rate and Index Protection Strategy with cap \u0026ndash; cap and trigger rate: 0.50%.\u003c/p\u003e\r\n\u003cp\u003eDeduction of the annual product fee of 0.25%, withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), 0.70% Income Benefit rider fee, and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage New York","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{80F4F5FF-1B73-4B25-ABA9-315256DED70E}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{80F4F5FF-1B73-4B25-ABA9-315256DED70E}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage New York","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage New York","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=80F4F5FF1B734B25ABA9315256DED70E\u0026amp;_z=z","Version":22,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eLinks\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/index-advantage-plus-new-york\" target=\"_self\"\u003eHow the product works (contracts issued on or after 1/3/2023)\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/Renewal-Rates\" target=\"_self\"\u003eAllianz Index Advantage® New York Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003ch3\u003eProspectuses\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/Annuities/past-prospectus-allianz-index-advantage-new-york\" target=\"_self\"\u003eProspectus (contracts issued on or before 12/31/2022)\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/Prospectuses/Allianz-Index-Advantage-New-York\" target=\"_self\"\u003eProspectus (contracts issued on or after 1/3/2023)\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eThe initial caps and participation rates (\u0026ldquo;rates\u0026rdquo;) for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date. Once the contract is issued, rates can change on each new Term Start Date at the discretion of the company subject to the guaranteed minimums: 3% for Index Protection NY Strategy; and Index Performance Strategy has 5% for 1-year Terms, 15% for 3-year Terms with 10% Buffer, 12% for 3-year Terms with 20% Buffer, and 30% for 6-year Terms. The minimum participation rate is 100%. Note the guaranteed minimums for Contracts issued on or before 12/31/2022 are different. There are a variety of factors that may affect initial caps, renewal caps, and Participation Rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, the utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in caps and Participation Rates, if any, may be substantially slower than increases in interest rates. Rates for caps, Participation Rates, and buffers can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers cannot change after the contract is issued.\u003c/p\u003e\r\n\u003cp\u003eDeduction of withdrawal charge and $50 contract maintenance charge (on contracts with less than $100,000 contract value) may result in a loss of principal or previously earned credits, which are the returns you may receive from the index options. Therefore in a term when the performance credit is positive but minimal, the Index Option Value may go down due to the deduction of the withdrawal charge, and contract maintenance charge. The cap is the maximum performance credit that you may get from positive index performance, and the cap for an index option may be less than the actual index return. While the buffers provide a level of protection from some downside risk, if the negative index return exceeds the buffers, there is risk of loss of principal.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus and consumer brochure (PDF) for Allianz Index Advantage\u0026reg; New York Variable Annuity.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFor more complete information about Allianz Index Advantage\u0026reg; New York variable options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage New York JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{2152C6CD-5B0F-458D-8E5E-CC1D0BC5CEB2}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{2152C6CD-5B0F-458D-8E5E-CC1D0BC5CEB2}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage New York JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage New York JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=2152C6CD5B0F458D8E5ECC1D0BC5CEB2\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003ch3\u003eProspectuses\u003c/h3\u003e\r\n\u003cul class=\"link-list\"\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/Annuities/past-prospectus-allianz-index-advantage-new-york\" target=\"_self\"\u003eProspectus (contracts issued on or before 12/31/2022)\u003c/a\u003e\u003c/li\u003e\r\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/Prospectuses/Allianz-Index-Advantage-New-York\" target=\"_self\"\u003eProspectus (contracts issued on or after 1/3/2023)\u003c/a\u003e\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eThe initial caps and participation rates (\u0026ldquo;rates\u0026rdquo;) for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date. Once the contract is issued, rates can change on each new Term Start Date at the discretion of the company subject to the guaranteed minimums: 3% for Index Protection NY Strategy; and Index Performance Strategy has 5% for 1-year Terms, 15% for 3-year Terms with 10% Buffer, 12% for 3-year Terms with 20% Buffer, and 30% for 6-year Terms. The minimum participation rate is 100%. Note the guaranteed minimums for Contracts issued on or before 12/31/2022 are different. There are a variety of factors that may affect initial caps, renewal caps, and Participation Rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, the utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in caps and Participation Rates, if any, may be substantially slower than increases in interest rates. Rates for caps, Participation Rates, and buffers can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers cannot change after the contract is issued.\u003c/p\u003e\r\n\u003cp\u003eDeduction of withdrawal charge and $50 contract maintenance charge (on contracts with less than $100,000 contract value) may result in a loss of principal or previously earned credits, which are the returns you may receive from the index options. Therefore in a term when the performance credit is positive but minimal, the Index Option Value may go down due to the deduction of the withdrawal charge, and contract maintenance charge. The cap is the maximum performance credit that you may get from positive index performance, and the cap for an index option may be less than the actual index return. While the buffers provide a level of protection from some downside risk, if the negative index return exceeds the buffers, there is risk of loss of principal.\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus and consumer brochure (PDF) for Allianz Index Advantage\u0026reg; New York Variable Annuity.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003cstrong\u003eFor more complete information about Allianz Index Advantage\u0026reg; New York variable options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\r\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus New York","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{32E97045-E761-4EFD-BCEA-E6716DA41C3E}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{32E97045-E761-4EFD-BCEA-E6716DA41C3E}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus New York","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus New York","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=32E97045E7614EFDBCEAE6716DA41C3E\u0026amp;_z=z","Version":7,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cdiv class=\"easy-print-NoPrint-root-1A10 easy-print-NoPrint-_force-1-C_\"\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/variable\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/index-advantage-plus-new-york\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/renewal-rates\" target=\"_blank\"\u003eAllianz Life\u0026reg; of NY Renewal Rate Lookup Tool\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003eProspectuses\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/Annuities/past-prospectus-allianz-index-advantage-new-york\" target=\"_self\"\u003eProspectus (contracts issued on or before 12/31/2022)\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/Prospectuses/Allianz-Index-Advantage-New-York\" target=\"_self\"\u003eProspectus (contracts issued on or after 1/3/2023)\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/index-advantage-plus-new-york/prospectus\" target=\"_self\"\u003eProspectus (contracts issued on or after 8/13/2024)\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cp\u003eThe initial caps, participation rates, and trigger rates (\u0026ldquo;rates\u0026rdquo;) for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date. Once the contract is issued, rates can change on each new Term Start Date at the discretion of the company subject to the guaranteed minimums. There are a variety of factors that may affect initial caps, renewal caps, and Participation Rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, the utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in caps and Participation Rates, if any, may be substantially slower than increases in interest rates. Rates for caps, Participation Rates, and buffers can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers cannot change after the contract is issued.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term with 10% buffer cap: 30%; Index Performance Strategy 6-year term with 20% buffer cap: 24%; Index Performance Strategy 6-year term with 30% buffer cap: 18%; Index Performance Strategy 3-year term with 10% buffer cap: 15%; Index Performance Strategy 3-year term with 20% buffer cap: 12%; Index Performance Strategy 3-year term with 30% buffer cap: 9%; Index Performance Strategy 1-year term with 10% buffer cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy with trigger rate: 5%; Index Performance Strategy 1-year term with 20% buffer cap: 4%; Index Performance Strategy 1-year term with 30% buffer cap: 3%. Participation rates: 100%.\u003c/p\u003e\n\u003cp\u003eDeduction of withdrawal charge and $50 contract maintenance charge (on contracts with less than $100,000 contract value) may result in a loss of principal or previously earned credits, which are the returns you may receive from the index options. Therefore in a term when the performance credit is positive but minimal, the Index Option Value may go down due to the deduction of the withdrawal charge, and contract maintenance charge. The cap is the maximum performance credit that you may get from positive index performance, and the cap for an index option may be less than the actual index return. While the buffers provide a level of protection from some downside risk, if the negative index return exceeds the buffers, there is risk of loss of principal.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage Plus New York JPM","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{7846BD35-743A-4108-85B3-482BA8BA8E40}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{7846BD35-743A-4108-85B3-482BA8BA8E40}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage Plus New York JPM","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage Plus New York JPM","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=7846BD35743A410885B3482BA8BA8E40\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cdiv class=\"easy-print-NoPrint-root-1A10 easy-print-NoPrint-_force-1-C_\"\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003ch3\u003eProspectuses\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/Annuities/past-prospectus-allianz-index-advantage-new-york\" target=\"_self\"\u003eProspectus (contracts issued on or before 12/31/2022)\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/Prospectuses/Allianz-Index-Advantage-New-York\" target=\"_self\"\u003eProspectus (contracts issued on or after 1/3/2023)\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/New-York/annuities/registered-index-linked-annuities/index-advantage-plus-new-york/prospectus\" target=\"_self\"\u003eProspectus (contracts issued on or after 8/13/2024)\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cp\u003eThe initial caps, participation rates, and trigger rates (\u0026ldquo;rates\u0026rdquo;) for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date. Once the contract is issued, rates can change on each new Term Start Date at the discretion of the company subject to the guaranteed minimums. There are a variety of factors that may affect initial caps, renewal caps, and Participation Rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, the utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in caps and Participation Rates, if any, may be substantially slower than increases in interest rates. Rates for caps, Participation Rates, and buffers can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers cannot change after the contract is issued.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 6-year term with 10% buffer cap: 30%; Index Performance Strategy 6-year term with 20% buffer cap: 24%; Index Performance Strategy 6-year term with 30% buffer cap: 18%; Index Performance Strategy 3-year term with 10% buffer cap: 15%; Index Performance Strategy 3-year term with 20% buffer cap: 12%; Index Performance Strategy 3-year term with 30% buffer cap: 9%; Index Performance Strategy 1-year term with 10% buffer cap, Index Precision Strategy trigger rate, Index Dual Precision Strategy with trigger rate: 5%; Index Performance Strategy 1-year term with 20% buffer cap: 4%; Index Performance Strategy 1-year term with 30% buffer cap: 3%. Participation rates: 100%.\u003c/p\u003e\n\u003cp\u003eDeduction of withdrawal charge and $50 contract maintenance charge (on contracts with less than $100,000 contract value) may result in a loss of principal or previously earned credits, which are the returns you may receive from the index options. Therefore in a term when the performance credit is positive but minimal, the Index Option Value may go down due to the deduction of the withdrawal charge, and contract maintenance charge. The cap is the maximum performance credit that you may get from positive index performance, and the cap for an index option may be less than the actual index return. While the buffers provide a level of protection from some downside risk, if the negative index return exceeds the buffers, there is risk of loss of principal.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for registered index-linked annuities (RILA). Call your financial professional or Allianz Life Financial Services, LLC, \u003ca rel=\"noopener noreferrer\" href=\"http://www.finra.org\" class=\"disclosure-finra\" target=\"_blank\"\u003emember FINRA\u003c/a\u003e, at \u003ca href=\"tel:800-624-0197\"\u003e800.624.0197\u003c/a\u003e to obtain a prospectus about any available variable option(s). The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect the index option values, the index options do not directly participate in any stock or equity investments and are not a direct investment in an index. The indexes are price return indexes, not total return indexes. This means that the index options do not receive any dividends payable on these securities.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Index Advantage NF","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{28373DF0-9128-404C-A8AD-2C8E905F5504}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{28373DF0-9128-404C-A8AD-2C8E905F5504}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Index Advantage NF","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Index Advantage NF","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=28373DF09128404CA8AD2C8E905F5504\u0026amp;_z=z","Version":17,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eInitial rates for new contracts are set on the Index Effective Date, which is the first Term Start Date, and is the first date your money has the opportunity to be allocated to an index option. Once the contract is issued, these rates can change on each new Term Start Date at the discretion of the company and are guaranteed to not be less than the minimums. There are a variety of factors that may affect these rates, including market volatility, the price and availability of hedging instruments, the level of interest rates, utilization of contract benefits by owners, and our profitability goals. In a rising interest rate environment, increases in these rates, if any, may be substantially slower than increases in interest rates. These rates can be different between newly issued and inforce contracts, and between inforce contracts issued on different days and in different years, and can also be different for each index option. Buffers and floors cannot change after the contract is issued. The Index Effective Date cannot be the 29th, 30th, or 31st of a month. On those days we change the Index Effective Date to be the next business day. This is important because if you want the earliest Index Effective Date and your issue date is one of these three days, your Index Effective Date will be different from your issue date.\u003c/p\u003e\n\u003cp\u003eMinimums: Index Performance Strategy 3-year term cap: 2%; participation rate: 100% for Index Performance Strategy 3-year term; Index Performance Strategy 1-year term cap, Index Guard Strategy cap, Index Precision Strategy precision rate, Index Protection Strategy DPSC: 0.10%.\u003c/p\u003e\n\u003cp\u003eDeduction of the withdrawal charge, $50 contract maintenance charge (on contracts with less than $100,000 contract value), and, if applicable, the 0.20% Maximum Anniversary Value Death Benefit rider fee may result in a loss of principal or previously earned performance credits, which are the returns you may receive from the index option. The annual product and rider fees are deducted quarterly, and are calculated as a percentage of the charge base, which is the contract value on the preceding quarterly contract anniversary adjusted for subsequent purchase payments and withdrawals.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus for Allianz Index Advantage NF\u003csup\u003e\u0026reg;\u003c/sup\u003e  Variable Annuity and the Index Advantage NF\u003csup\u003e\u0026reg;\u003c/sup\u003e client brochure, product profile, and index strategy inserts.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eFor more complete information about the variable option, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 for a variable options prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable and index options, which you should carefully consider. Please read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eAlthough an index or indexes will affect your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Essential Income 7","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{6D61BB19-584E-49C1-85D5-0F0486E850DF}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{6D61BB19-584E-49C1-85D5-0F0486E850DF}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Essential Income 7","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Essential Income 7","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=6D61BB19584E49C185D50F0486E850DF\u0026amp;_z=z","Version":17,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The annual benefit charge is a percentage of the accumulation value, deducted monthly from the accumulation value and guaranteed minimum value (in most states). The annual benefit charge percentage for the guaranteed minimum value is 1.05% for all contract years. The annual benefit charge percentage for the accumulation value is 1.05% for the first contract year. It can change each year during the next six contract years, but will not be more than 2.50% (in DE it will not be more than 2.00%). After the seventh contract year, the annual benefit charge percentage will be 1.05% for all remaining contract years.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum annual cap for the annual point-to-point with cap crediting method is 3.00% for the first seven contract years. After the seventh contract year, the annual cap will never be less than 0.25%. The minimum fixed interest rates is 1.00% for the first seven contract years. After the seventh contract year, the annual credited rate will never be less than 0.10% per year.\u003c/p\u003e\n\u003cp\u003e(C61892-02-MVA)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"/secured/accounts/fixed\" target=\"_self\"\u003eMy Contract\u003c/a\u003e (log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/essential-income-7\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/secured/knowledge-center/tools-and-resources/presentation/understanding-rate-lock-for-fixed-index-annuities\" target=\"_self\"\u003eUnderstanding Rate Lock for FIAs\u003c/a\u003e (for financial professional \u0026ndash; log-in required)\u003c/li\u003e\n    \u003cli\u003e\u003ca href=\"/what-we-offer/annuities/fixed-index-annuities/rider-charge-management-criteria\"\u003eAllocation charge criteria\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"General","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{5266411E-8E7A-421E-B786-368EC4925F6C}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{5266411E-8E7A-421E-B786-368EC4925F6C}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"General","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/General","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=5266411E8E7A421EB786368EC4925F6C\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThese rates are current only as of the date indicated above. Rates are not guaranteed and are subject to change at the discretion of the company.\n\u003c/p\u003e\n\u003cp\u003e\nThe PIMCO Tactical Balanced Index is comprised of the S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e Index, a bond component comprised of the PIMCO Synthetic Bond Index and a duration overlay, and cash, and shifts weighting between them daily based on historical realized volatility of the components. The PIMCO Synthetic Bond Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. Investment-grade and Treasury bond markets.\nThe \u0026ldquo;PIMCO Tactical Balanced Index\u0026rdquo; is a product of S\u0026amp;P Dow Jones Indices LLC or its affiliates (\u0026ldquo;SPDJI\u0026rdquo;) and Pacific Investment Management Company LLC (\u0026ldquo;PIMCO\u0026rdquo;), and has been licensed for use by Allianz Life Insurance Company of North America (\u0026ldquo;Allianz\u0026rdquo;).  Standard \u0026amp; Poor\u0026rsquo;s\u003csup\u003e\u0026reg;\u003c/sup\u003e and \u003csup\u003eS\u0026amp;P\u0026reg;\u003c/sup\u003e are registered trademarks of Standard \u0026amp; Poor\u0026rsquo;s Financial Services LLC (\u0026ldquo;S\u0026amp;P\u0026rdquo;); Dow Jones\u003csup\u003e\u0026reg;\u003c/sup\u003e is a registered trademark of Dow Jones Trademark Holdings LLC (\u0026ldquo;Dow Jones\u0026rdquo;); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. PIMCO\u0026rsquo;s Trademark(s) are trademarks of PIMCO and have been licensed for use by SPDJI and Allianz.  Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S\u0026amp;P, their respective affiliates, or PIMCO and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the PIMCO Tactical Balanced Index.\n\u003c/p\u003e\n\u003cp\u003eThe Barclays US Dynamic Balance Index II is comprised of the Barclays US Aggregate RBI\u003csup\u003e\u0026reg; \u003c/sup\u003eSeries 1 Index and the S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e Index and shifts weighting daily, up to 3%, between them based on realized market volatility. The Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 Index is comprised of a portfolio of derivative instruments plus cash that are designed to track the Barclays US Aggregate Bond Index. The Barclays US Aggregate Bond Index is comprised of Barclays US investment-grade, fixed-rate bond market securities, including government agency, corporate, and mortgage-backed securities. Barclays Risk Analytics and Index Solutions Limited and its affiliates (\"Barclays\") is not the issuer or producer of any Allianz products and Barclays has no responsibilities, obligations or duties to investors in respect of the Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 Index or the Barclays US Dynamic Balance Index II.  The Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 and the Barclays US Dynamic Balance Index II are trademarks owned by Barclays, and the Barclays US Aggregate Bond Index and the Barclays US Dynamic Balance Index II are licensed for use by Allianz Life Insurance Company of North America as the Issuer of the Allianz product. While Allianz may for itself execute transaction(s) with Barclays in or relating to the Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 Index or the Barclays US Dynamic Balance Index II with Allianz products, investors acquire Allianz products from Allianz Life Insurance Company of North America and investors neither acquire any interest in the Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 Index or the Barclays US Dynamic Balance Index II nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in any Allianz product. The Allianz products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of any Allianz product or use of the Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u0026reg; Series 1 Index or the Barclays US Dynamic Balance Index II or any data included therein.  Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Barclays US Aggregate Bond Index, the Barclays US Aggregate RBI\u003csup\u003e\u0026reg;\u003c/sup\u003e Series 1 Index or the Barclays US Dynamic Balance Index II or any data included therein.\nThe Barclays US Dynamic Balance Index is comprised of the Barclays US Aggregate Bond Index and the S\u0026amp;P 500\u0026reg; Index and shifts weighting daily, up to 5%, between them based on realized market volatility. The Barclays US Aggregate Bond Index is comprised of Barclays US investment-grade, fixed-rate bond market securities, including government agency, corporate, and mortgage-backed securities.    Barclays Risk Analytics and Index Solutions Limited and its affiliates (\"Barclays\") is not the issuer or producer of any Allianz products and Barclays has no responsibilities, obligations or duties to investors in respect of the Barclays US Aggregate Bond Index or the Barclays US Dynamic Balance Index.  The Barclays US Aggregate Bond Index and the Barclays US Dynamic Balance Index are trademarks owned by Barclays, and the Barclays US Aggregate Bond Index and the Barclays US Dynamic Balance Index are licensed for use by Allianz Life Insurance Company of North America as the Issuer of the Allianz products. While Allianz may for itself execute transaction(s) with Barclays in or relating to the Barclays US Aggregate Bond Index or the Barclays US Dynamic Balance Index with Allianz products, investors acquire Allianz products from Allianz Life Insurance Company of North America and investors neither acquire any interest in the Barclays US Aggregate Bond Index or the Barclays US Dynamic Balance Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in any Allianz product. The Allianz products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of any Allianz product or use of the Barclays US Aggregate Bond Index or the Barclays US Dynamic Balance Index or any data included therein.  Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Barclays US Aggregate Bond Index or the Barclays US Dynamic Balance Index or any data included therein.\nThe EURO STOXX 50\u0026reg; Index, Europe\u0026rsquo;s leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone. The Index covers 50 stocks from 12 Eurozone countries: Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal, and Spain. \u003c/p\u003e\n\u003cp\u003eThe EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland. Allianz products based on the Index are in no way sponsored, endorsed, sold, or promoted by STOXX and shall not have any liability with respect thereto.\nThe FTSE 100 Index comprises 100 of the most highly capitalized blue chip companies in the United Kingdom (UK), representing approximately 80% of the UK\u0026rsquo;s market capitalization. FTSE 100 Index companies are all traded on the London Stock Exchange. The FTSE 100 is considered to be the most widely used UK stock market indicator. \u0026ldquo;FTSE,\u0026rdquo; \u0026ldquo;FT-SE,\u0026rdquo; \u0026ldquo;Footsie,\u0026rdquo; \u0026ldquo;FTSE4Good,\u0026rdquo; and \u0026ldquo;techMARK\u0026rdquo; are trademarks jointly owned by the London Stock Exchange Plc and the Financial Times and are used by the FTSE International Limited (\u0026ldquo;FTSE\u0026rdquo;) under license. \u0026ldquo;All-World,\u0026rdquo; \u0026ldquo;All-Share,\u0026rdquo; and \u0026ldquo;All-Small\u0026rdquo; are trademarks of FTSE. The FTSE 100 is calculated by FTSE. FTSE does not sponsor, endorse, or promote this product and is not in any way connected to it and does not accept any liability in relation to its issue, operation, and trading.\n\u003c/p\u003e\n\u003cp\u003eThe Nasdaq-100 Index\u0026reg; includes 100 of the largest domestic and international non-financial securities listed on The Nasdaq Stock Market, based on capitalization. The Nasdaq-100\u003csup\u003e\u0026reg;\u003c/sup\u003e, Nasdaq-100 Index, Nasdaq\u003csup\u003e\u0026reg;\u003c/sup\u003e, and OMX\u003csup\u003e\u0026reg;\u003c/sup\u003e are registered trademarks of NASDAQ OMX Group, Inc. (which with its affiliates are the Corporations) and are licensed for use by Allianz Life Insurance Company of North America. The product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold, or promoted by the Corporations. \u003cstrong\u003eTHE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).\u003c/strong\u003e\n\u003c/p\u003e\n\u003cp\u003eRussell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000 is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do not affect the performance and characteristics of the true small-cap index.\nThe Russell 2000 Index is a trademark of Russell Investments and has been licensed for use by Allianz Life Insurance Company of North America. The product is not sponsored, endorsed, sold, or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the product.\n\u003c/p\u003e\n\u003cp\u003eStandard \u0026amp; Poor\u0026rsquo;s 500\u003csup\u003e\u0026reg;\u003c/sup\u003e index (S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e) is comprised of 500 stocks representing major U.S. industrial sectors. The Dow Jones Industrial Average is a popular indicator of the stock market based on the average closing prices of 30 active U.S. stocks representative of the overall economy.\nS\u0026amp;P\u003csup\u003e\u0026reg;\u003c/sup\u003e is a registered trademark of Standard \u0026amp; Poor\u0026rsquo;s Financial Services LLC (\u0026ldquo;S\u0026amp;P\u0026rdquo;) and Dow Jones\u003csup\u003e\u0026reg;\u003c/sup\u003e is a registered trademark of Dow Jones Trademark Holdings LLC (\u0026ldquo;Dow Jones\u0026rdquo;). These trademarks have been licensed for use by S\u0026amp;P Dow Jones Indices LLC and its affiliates. S\u0026amp;P\u003csup\u003e\u0026reg;\u003c/sup\u003e and S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e are trademarks of S\u0026amp;P and Dow Jones\u003csup\u003e\u0026reg;\u003c/sup\u003e, Dow Jones Industrial Average\u003csup\u003eSM\u003c/sup\u003e, DJIA, and The Dow are trademarks of Dow Jones. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (\u0026ldquo;Allianz\u0026rdquo;). The S\u0026amp;P 500 and Dow Jones Industrial Average (DJIA) are products of S\u0026amp;P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S\u0026amp;P Dow Jones Indices LLC, Dow Jones, S\u0026amp;P, or their respective affiliates and neither S\u0026amp;P Dow Jones Indices LLC, Dow Jones, S\u0026amp;P, or their respective affiliates make any representation regarding the advisability of investing in such product.\nAllianz Life Insurance Company of North America is a subsidiary of Allianz SE.\n\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Legacy by Design","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{A1F9471A-AEBC-4068-AF18-68E3CFD58896}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{A1F9471A-AEBC-4068-AF18-68E3CFD58896}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Legacy by Design","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Legacy by Design","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=A1F9471AAEBC4068AF1868E3CFD58896\u0026amp;_z=z","Version":2,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The Death Benefit Bonus is not available to the contract owner as a full or partial withdrawal. If the Legacy Plus contract is annuitized, the Death Benefit Bonus will not be included in the annuitization value, unless the contract owner reaches age 100. The Death Benefit Bonus will be decreased by any partial surrenders. This decrease will be proportional to the decrease in the accumulation value.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e Not available in Iowa.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum monthly cap for the monthly sum with cap crediting method is 0.50%. The minimum annual cap for the annual point to-point with cap crediting method is 0.25%. The maximum annual spread for the annual point-to-point with spread crediting method is 12%. The minimum annual participation rate for the annual point-to-point with participation rate crediting method is 10%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003e(C64281-MVA-Q, C64281-NQ)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Life Accumulator","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{41499C7A-C911-49E5-A0E4-C8E752EC8AC7}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{41499C7A-C911-49E5-A0E4-C8E752EC8AC7}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Life Accumulator","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Life Accumulator","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=41499C7AC91149E5A0E4C8E752EC8AC7\u0026amp;_z=z","Version":3,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e*\u003c/sup\u003e\u0026nbsp;Index Lock feature available\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e\u0026nbsp;The guaranteed minimum Trigger Interest Rate is set at issue for the life of the policy and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e\u0026nbsp;The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e\u0026nbsp;The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u003c/sup\u003e\u0026nbsp;The guaranteed minimum participation rate is set at issue for the life of the policy and will never be less than 5.0%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e5\u003c/sup\u003e\u0026nbsp;Premium Discount Rate does not apply to the first year premium. The Premium Discount Rate is guaranteed on an annual basis and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003eThe indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.\u003c/p\u003e\n\u003cp\u003e(P64339)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003cul class=\"link-list\"\u003e\n    \u003cli\u003e\u003ca href=\"~/link.aspx?_id=42A7EB04C15748C588798E7D71699B34\u0026amp;_z=z\" target=\"_self\"\u003eHow the product works\u003c/a\u003e\u003c/li\u003e\n    \u003ca href=\"~/link.aspx?_id=42A7EB04C15748C588798E7D71699B34\u0026amp;_z=z\" target=\"_self\"\u003e\n    \u003c/a\u003e\u003c/ul\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Life Pro Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{7648DFE9-F189-49A6-B1A8-3BC405F4646C}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{7648DFE9-F189-49A6-B1A8-3BC405F4646C}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Life Pro Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Life Pro Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=7648DFE9F18949A6B1A83BC405F4646C\u0026amp;_z=z","Version":18,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum Trigger Interest Rate is set at issue and will never be less than 0.50%. The minimum Trigger Interest Rate in Indiana is 1.00%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum monthly participation is set at issue, is guaranteed for the life of the policy, and will never be less than 5.0%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum monthly cap is set at issue, is guaranteed for the life of the policy, and will never be less than 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum annual cap is 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e5\u0026nbsp;\u003c/sup\u003eThe participation rate is declared at issue and guaranteed for the life of the policy, and may change on newly issued policies. The cap is subject to change on an annual basis but will never be less than the minimum guaranteed cap of 0.10%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e6\u0026nbsp;\u003c/sup\u003eThe participation rate is declared on each policy anniversary and will never be less than 5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e7\u0026nbsp;\u003c/sup\u003ePremium Discount Rate does not apply to the first-year premium. The Premium Discount Rate is guaranteed on an annual basis and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Bloomberg U.S. Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003eAllianz True Balance\u003csup\u003eSM\u003c/sup\u003e is comprised of the S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (50%) and Bloomberg US Aggregate RBI Series 1 Index (50%).\u003c/p\u003e\n\u003cp\u003eThe indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.\u003c/p\u003e\n\u003cp\u003e(P95472)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Life Pro Plus Advantage","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{BC886B13-F72D-4EC8-A368-84F5DEF46B62}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{BC886B13-F72D-4EC8-A368-84F5DEF46B62}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Life Pro Plus Advantage","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Life Pro Plus Advantage","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=BC886B13F72D4EC8A36884F5DEF46B62\u0026amp;_z=z","Version":4,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The guaranteed minimum Trigger Interest Rate is set at  issue for the life of the policy and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of  the policy and will never be less than 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of  the policy and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u003c/sup\u003e The guaranteed minimum participation rate is set at issue  for the life of the policy and will never be less than 5.0%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e5\u003c/sup\u003e Premium Discount Rate does not apply to the first year  premium. The Premium Discount Rate is guaranteed on an annual basis and will  never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is  comprised of the following: Dow Jones Industrial Average (35%), Bloomberg U.S.  Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003eThe indexes available within the policy are constructed to keep  track of diverse segments of the U.S. or international markets, or specific  market sectors. These indexes are benchmarks only. Indexes can have different  constituents and weighting methodologies. Some indexes have multiple versions  that can weight components or may track the impact of dividends differently.  Although an index may affect your interest credited, you cannot buy, directly  participate in, or receive dividend payments from any of them through the  policy.\u003c/p\u003e\n\u003cp\u003e(P64339)\u003c/p\u003e\n\u003ch3\u003eLinks\u003c/h3\u003e\n\u003ca class=\"link\" href=\"~/link.aspx?_id=42A7EB04C15748C588798E7D71699B34\u0026amp;_z=z\"\u003eHow the product works\u003c/a\u003e\u003cp /\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Life Pro Plus Elite","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{F9532B2A-3318-4510-B60A-4CBC7D3AAC66}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{F9532B2A-3318-4510-B60A-4CBC7D3AAC66}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Life Pro Plus Elite","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Life Pro Plus Elite","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=F9532B2A33184510B60A4CBC7D3AAC66\u0026amp;_z=z","Version":6,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u003c/sup\u003e The guaranteed minimum participation rate is set at issue for the life of the policy and will never be less than 5.00%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u003c/sup\u003e  The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u003c/sup\u003e The guaranteed minimum cap is set at issue for the life of the policy and will never be less than 0.10%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e5\u003c/sup\u003e\u0026nbsp;The Premium Discount Rate does not apply to the first-year premium. The Premium Discount Rate is guaranteed on an annual basis and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Bloomberg U.S. Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003eAllianz True Balance\u003csup\u003eSM\u003c/sup\u003e is comprised of the S\u0026amp;P 500\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (50%) and Bloomberg US Aggregate RBI Series 1 Index (50%).\u003c/p\u003e\n\u003cp\u003eThe indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.\u003c/p\u003e\n\u003cp\u003e(P64163)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Life Pro Plus Survivor","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{862E806F-6F36-4E70-8513-46A45A841045}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{862E806F-6F36-4E70-8513-46A45A841045}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Life Pro Plus Survivor","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Life Pro Plus Survivor","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=862E806F6F364E70851346A45A841045\u0026amp;_z=z","Version":19,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum Trigger Interest Rate is set at issue and will never be less than 0.50%. The minimum Trigger Interest Rate in Indiana is 1.00%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e2\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum monthly participation is set at issue, is guaranteed for the life of the policy, and will never be less than 5.0%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e3\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum monthly cap is set at issue, is guaranteed for the life of the policy, and will never be less than 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e4\u0026nbsp;\u003c/sup\u003eThe guaranteed minimum annual cap is 0.50%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e5\u0026nbsp;\u003c/sup\u003eThe participation rate is declared on each policy anniversary and will never be less than 5%. Not available in IN, PA, or OR.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e6\u0026nbsp;\u003c/sup\u003eThe participation rate is declared on each policy anniversary and will never be less than 5%.\u003c/p\u003e\n\u003cp\u003e\u003csup\u003e7\u0026nbsp;\u003c/sup\u003eThe Premium Discount Rate does not apply to the first-year premium. The Premium Discount Rate is guaranteed on an annual basis and will never be less than 0.25%.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Bloomberg Barclays U.S. Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e \u0026nbsp;(20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e\u0026nbsp;Index (10%).\u003c/p\u003e\n\u003cp\u003eThe indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect your interest credited, you cannot buy, directly participate in, or receive dividend payments from any of them through the policy.\u003c/p\u003e\n\u003cp\u003e(P61843)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"MasterDex X","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{07109E3F-0C64-470C-B8F8-7AD33DDB781A}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{07109E3F-0C64-470C-B8F8-7AD33DDB781A}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"MasterDex X","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/MasterDex X","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=07109E3F0C64470CB8F87AD33DDB781A\u0026amp;_z=z","Version":3,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe bonus is subject to a 10-year vesting schedule. 10% of the bonus will become vested on each contract anniversary until the beginning of the 11\u003csup\u003eth\u003c/sup\u003e contract year, when 100% will be vested. If you surrender your contract before the 11\u003csup\u003eth\u003c/sup\u003e contract year, you will lose the unvested bonus. Bonus annuities may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don\u0026rsquo;t offer a premium bonus feature. During the first 10 contract years, we will apply a surrender charge and unvested bonus reduction if you partially or fully surrender your contract. The same would apply if you begin annuitization, which means receiving regular annuity payments over a specified period of time, prior to the sixth contract year (or for fewer than 10 years). These charges may result in a loss of bonus, indexed interest and fixed interest, and a partial loss of principal (your premium).\u003c/p\u003e\n\u003cp\u003eThe Select Index Allocation charge is 1.00%.\u003c/p\u003e\n\u003cp\u003e* There is no fixed interest allocation on the MasterDex X in AL, DE, IA, and KY.\u003c/p\u003e\n\u003cp\u003eThe blended index option is comprised of the following: Dow Jones Industrial Average (35%), Barclays Capital U.S. Aggregate Bond Index (35%), EURO STOXX 50\u003csup\u003e\u0026reg;\u003c/sup\u003e (20%), Russell 2000\u003csup\u003e\u0026reg;\u003c/sup\u003e Index (10%).\u003c/p\u003e\n\u003cp\u003e(C52575, R91077-01, R91050-01)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Retirement Foundation ADV","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{211728B9-8A00-4CD0-A51D-6A204F160118}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{211728B9-8A00-4CD0-A51D-6A204F160118}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Retirement Foundation ADV","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Retirement Foundation ADV","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=211728B98A004CD0A51D6A204F160118\u0026amp;_z=z","Version":11,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003e\u003csup\u003e1\u003c/sup\u003e The annual rider charge is deducted monthly from the accumulation value and guaranteed minimum value (in most states). The initial rider charge percentage is guaranteed for the first contract year. After the first contract year, the rider charge percentage can change each contract year, but will never be greater than the maximum rider charge percentage of 1.25%.\u003c/p\u003e\n\u003cp\u003eThe rates are guaranteed for one year. They are declared at issue and on each contract anniversary. The minimum annual cap for the annual point-to-point with cap crediting method is 0.25%. The minimum interest rate is 0.10%.\u003c/p\u003e\n\u003cp\u003e(C95493-MVA, R95374-MVA, C95493-MVA-ID)\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Term Pro Plus","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{0DC9594F-C5D2-4B47-B59C-88E7AC058CDE}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{0DC9594F-C5D2-4B47-B59C-88E7AC058CDE}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Term Pro Plus","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Term Pro Plus","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=0DC9594FC5D24B47B59C88E7AC058CDE\u0026amp;_z=z","Version":3,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":""},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Vision","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{C8BA5F59-CB7F-4CF2-8E03-608241C4B1D7}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{C8BA5F59-CB7F-4CF2-8E03-608241C4B1D7}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Vision","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Vision","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=C8BA5F59CB7F4CF28E03608241C4B1D7\u0026amp;_z=z","Version":12,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe annual rider charge will never be less than the minimum charge of 0.50% or exceed the maximum of 2.50% for single or 2.75% for joint.\u003c/p\u003e\n\u003cp\u003eOnce we issue a rider, we can change the rider charge on any quarterly anniversary subject to the maximums and minimums stated here. However, in any 12-month period, we cannot increase/decrease the rider charge for Income Protector more than 0.50%.\u003c/p\u003e\n\u003cp\u003eThe rates for the annual increase percentage and the number of guarantee years used to calculate the Benefit Base, and payment percentages table used to calculate your Lifetime Plus Payments will be stated in your contract. We can change these rates for new business monthly. These rates cannot be changed after we issue your rider. Rates can be different for newly issued and inforce riders, and for inforce riders issued on different days and in different years.\u003c/p\u003e\n\u003cp\u003eFor newly issued contracts we determine the rates you receive by using the date you sign your application, the date we receive the application, and the date we receive your initial purchase payment, as detailed on the rate sheet supplement. If between the date you signed your application and the issue date the rates for Income Protector have increased and the rider charge has not increased, you may receive the current Income Protector rider with the higher/improved rates and current rider charge that are available on the issue date, rather than the rider with the rates and rider charge that you applied for, as detailed on the rate sheet supplement.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus and product overview for the applicable Allianz Life Insurance Company of North America (Allianz) variable annuity.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eFor more complete information about variable annuities and variable investment options from Allianz, call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Vision New York","HasChildren":false,"Icon":"/-/icon/Business/32x32/note_information.png.aspx","ID":"{0549F733-9CFB-4839-88D7-7C4B669AD6E8}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{0549F733-9CFB-4839-88D7-7C4B669AD6E8}","MediaUrl":"/-/icon/Business/48x48/note_information.png.aspx","Name":"Vision New York","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Vision New York","Template":"User Defined/Allianz/Global/Data/Disclosure/Disclosure","TemplateId":"{C20FE384-4674-4E00-840C-C1359257FA77}","TemplateName":"Disclosure","Url":"~/link.aspx?_id=0549F7339CFB483988D77C4B669AD6E8\u0026amp;_z=z","Version":12,"Fields":{"{F1CAF3C7-E5D9-4D56-A96D-EB4EBCB0FF4D}":{"Name":"Description","Type":"Rich Text","Value":"\u003cp\u003eThe annual rider charge will never be less than the minimum charge of 0.50% or exceed the maximum of 2.50% for single or 2.75% for joint.\u003c/p\u003e\n\u003cp\u003eOnce we issue a rider, we can change the rider charge on any quarterly anniversary subject to the maximums and minimums stated here. However, in any 12-month period we cannot increase/decrease the rider charge for Income Protector more than 0.50%.\u003c/p\u003e\n\u003cp\u003eThe rates for the annual increase percentage and the number of guarantee years used to calculate the Benefit Base, and payment percentages table used to calculate your Lifetime Plus Payments, will be stated in your contract. We can change these rates for new business monthly. These rates cannot be changed after we issue your rider. Rates can be different for newly issued and inforce riders, and for inforce riders issued on different days and in different years.\u003c/p\u003e\n\u003cp\u003eFor newly issued contracts we determine the rates you receive by using the date you sign your application, the date we receive the application, and the date we receive your initial purchase payment, as detailed on the rate sheet supplement. If between the date you signed your application and the issue date the rates for Income Protector have increased and the rider charge has not increased, you may receive the current Income Protector rider with the higher/improved rates and current rider charge that are available on the issue date rather than the rider with the rates and rider charge that you applied for, as detailed on the rate sheet supplement. For Allianz Vision New York contracts, if your purchase involves the replacement of an existing life insurance policy or annuity contract, we use the date you signed your replacement form, the date you sign and we receive your application, and the date we receive your initial purchase payment to determine the rates you receive. Please review the rate sheet supplement for more details.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eThis material must be preceded or accompanied by a current prospectus and product overview for the applicable Allianz Life Insurance Company of New York (Allianz Life\u003csup\u003e\u0026reg;\u003c/sup\u003e of NY) variable annuity.\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eFor more complete information about variable annuities and variable investment options from  Allianz Life of NY, call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.\u003c/strong\u003e\u003c/p\u003e"},"{C68278EB-B578-4443-905E-3CC9656D2026}":{"Name":"States","Type":"Multilist","Value":""},"{0A081AA6-16CD-41E0-AC13-1F24019AECC0}":{"Name":"Compliance Approval Number","Type":"Single-Line Text","Value":""},"{CEAE50E0-FC71-4714-9774-A77016860BB3}":{"Name":"Compliance Review Date","Type":"Date","Value":""},"{B588A80F-A8C0-4A97-A35A-07D81ED53E9B}":{"Name":"Expiration Date","Type":"Date","Value":""},"{77CC56F1-B7C3-43A2-9639-1E0B6DA2375D}":{"Name":"Content Owner Group","Type":"Multilist","Value":""}}},{"Category":"Ratewatch","Database":"web","DisplayName":"Indexes","HasChildren":true,"Icon":"/-/icon/Applications/32x32/view_add.png.aspx","ID":"{D4D17114-084A-4E63-A806-6B04D3CCB98F}","Language":"en","LongID":"/{11111111-1111-1111-1111-111111111111}/{0DE95AE4-41AB-4D01-9EB0-67441B7C2450}/{2B6B7F01-95E8-4016-90DB-1E602D096F88}/{CD40BBDF-707C-4AEA-8B1D-BCCB69EC367B}/{02533345-14CF-4985-8C82-4BE51B867D6B}/{274297D4-E1C3-4238-9A81-2DAE5BAAC109}/{D1474301-8C8C-46E1-ABB5-1B8182F2D8B8}/{D4D17114-084A-4E63-A806-6B04D3CCB98F}","MediaUrl":"/-/icon/Applications/48x48/view_add.png.aspx","Name":"Indexes","Path":"/sitecore/content/Global/Data/Disclosures/Calculators/Ratewatch/Indexes","Template":"User Defined/Allianz/Global/Folders/Disclosure Folder","TemplateId":"{E679201E-1937-4A3C-B6AB-F6CA31AC0605}","TemplateName":"Disclosure Folder","Url":"~/link.aspx?_id=D4D17114084A4E63A8066B04D3CCB98F\u0026amp;_z=z","Version":1,"Fields":{}}]}}