Allianz Life Insurance Company of North America
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Allianz Index AdvantageSM Variable Annuity

These days, just saving for retirement isn’t enough. You want your money to grow – and you want to protect it so it’s there when you need it most.

Investing in Allianz Index Advantage Variable Annuity may be the answer for part of your overall retirement strategy. Allianz Index Advantage combines the potential for long-term growth through a level of protection with performance potential.

Allianz Index Advantage offers you a combination of traditional variable options with two innovative index strategies. This gives you the opportunity to grow your retirement nest egg – with a level of asset protection for the principal you invest. Together, they can offer you a level of certainty in today’s uncertain market environment.


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Investing in a variable annuity may be the answer for part of your overall retirement strategy. A variable annuity combines the potential for long-term growth through market participation with tax deferral, death benefits, and living guarantees.

Variable annuities are subject to investment risk, including loss of principal, and contract values fluctuate daily. Investment returns and principal value will fluctuate with market conditions so that units, upon distribution, may be worth more or less than the original cost.

Purchasing an annuity within a retirement plan that provides tax deferral under sections of the Internal Revenue Code results in no additional tax benefit. An annuity should be used to fund a qualified plan based upon the annuity’s features other than tax deferral. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan.

Withdrawals will reduce the contract value and the value of any protection benefits. Additional withdrawals taken within the contract withdrawal charge schedule will be subject to a withdrawal charge. All withdrawals are subject to ordinary income tax and, if taken prior to age 59½, may be subject to a 10% federal additional tax.

For more complete information about variable annuities and variable investment options, call your financial professional or Allianz Life Financial Services, LLC at 800.624.0197 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 you should carefully consider. Please read the prospectuses thoroughly before sending money.

Guarantees are backed by the financial strength and claims-paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN  55416-1297. In New York, products are issued by Allianz Life Insurance Company of New York, One Chase Manhattan Plaza, 38th Floor, New York, NY 10005-1423, and are distributed by their affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (L40538)

In the state of New York, only Allianz Life Insurance Company of New York is authorized to offer annuities and life insurance.

Product and feature availability may vary by state and broker/dealer.


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