1 Policy loans will reduce available cash values and death benefits,
and may cause the policy to lapse or affect any guarantees against lapse. Additional
premium payments may be required to keep the policy in force. In the event of a
lapse, outstanding policy loans in excess of unrecovered cost basis will be subject
to ordinary income tax.
Withdrawals are subject to ordinary income tax and, if taken prior to age 59½,
a 10% federal additional tax.
2 Standard & Poor's 500® Index (S&P 500®) is comprised of 500 stocks
representing major U.S. industrial sectors. Performance figures are inclusive of
dividends reinvested. S&P 500 is a registered service mark of Standard & Poor’s
Financial Services LLC and has been licensed for use by Allianz Life Insurance Company
of North America. The product is not sponsored, endorsed, sold, or promoted by Standard
& Poor’s and Standard & Poor’s makes no representation regarding the advisability
of purchasing the product.
3 The Nasdaq-100 Index® includes 100 of the largest domestic and international
non-financial securities listed on The Nasdaq Stock Market, based on capitalization.
The Nasdaq-100®, Nasdaq-100 Index, Nasdaq®, and OMX® 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.
THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
4 The EURO STOXX 50® Index, Europe'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. The 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.
5 The Dow Jones Industrial AverageSM 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. “Dow Jones” and “Dow Jones Industrial Average” are service
marks of Dow Jones & Company, Inc. and have been licensed for certain purposes by
Allianz Life Insurance Company of North America. Allianz products based on the Dow
Jones Industrial Average are not sponsored, endorsed, sold, or promoted by Dow Jones,
and Dow Jones makes no representation regarding the advisability of purchasing such
6 The Barclays Capital U.S. Aggregate Bond Index is comprised of U.S.
investment-grade, fixed-rate bond market securities, including government agency,
corporate, and mortgage-backed securities. Barclays Capital and Barclays Capital
U.S. Aggregate Bond Index are trademarks of Barclays Capital Inc. (“Barclays Capital”).
Allianz products are not sponsored, endorsed, sold, or promoted by Barclays Capital.
Barclays Capital makes no representation or warranty, express or implied, to the
owners of Allianz products or any member of the public regarding the advisability
of investing in securities generally or in Allianz products particularly or the
ability of the Barclays Capital indices, including without limitation, the Barclays
Capital U.S. Aggregate Bond Index, to track general bond market performance. Barclays
Capital's only relationship to Allianz Life Insurance Company of North America and
its affiliates (“Allianz”) is the licensing of the Barclays Capital U.S. Aggregate
Bond Index which is determined, composed, and calculated by Barclays Capital without
regard to Allianz or Allianz products. Barclays Capital has no obligation to take
the needs of Allianz or the owners of Allianz products into consideration in determining,
composing, or calculating the Barclays Capital U.S. Aggregate Bond Index. Barclays
Capital is not responsible for and has not participated in the determination of
the timing of, prices of, or quantities of Allianz products to be issued or in the
determination or calculation of the equation by which Allianz products are to be
converted into cash. Barclays Capital has no obligation or liability in connection
with the administration, marketing, or trading of Allianz products. Barclays Capital
does not guarantee the quality, accuracy, and/or the completeness of the Barclays
Capital indices, or any data included therein, or otherwise obtained by Allianz,
owners of Allianz products, or any other person or entity from the use of the Barclays
Capital indices, including without limitation, the Barclays Capital U.S. Aggregate
Bond Index, in connection with the rights licensed hereunder or for any other use.
Barclays Capital makes no express or implied warranties, and hereby expressly disclaims
all warranties of merchantability or fitness for a particular purpose or use with
respect to the Barclays Capital indices, including without limitation, the Barclays
Capital U.S. Aggregate Bond Index, or any data included therein. Without limiting
any of the foregoing, in no event shall Barclays Capital have any liability for
any special, punitive, indirect, or consequential damages (including lost profits),
even if notified of the possibility of such damages.
7 Russell 2000® Index is an equity index that measures the performance
of the 2,000 smallest companies in the Russell 3000® 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. The 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
8 May not be available in all states.
9 This rider is available on death benefits of $3,000,000 or less.
Guarantees are backed by the financial strength and claims-paying ability of Allianz
Life Insurance Company of North America.
Contract P52704 is issued by Allianz Life Insurance Company of North America.
Products are issued by Allianz Life Insurance Company of North America, PO Box 59060,
Minneapolis, MN 55459-0060. www.allianzlife.com
Product and feature availability may vary by state.