Index Advantage Income ADV® Annuity

Index Advantage Income ADV® is a registered index-linked annuity (RILA) designed to work with an advisory platform and to give you long-term growth potential – plus the opportunity for lifetime income, with our income benefit riders, which are selected at purchase for an additional cost.1

Additional resources

RILA resources

View RILA consumer brochure (PDF)

View RILA Performance Lock brochure (PDF)

Index Advantage Income ADV® resources

View Index Advantage Income ADV® product profile (PDF)

View RILA index options guide (PDF)

View Legacy+™ Benefit brochure (PDF)

View Index Advantage Income ADV® prospectus

Index Advantage Income ADV® offers lifetime income with a balance of performance potential and a level of protection. It provides indexed return potential with the opportunity for varying levels of protection through multiple index options, tax-deferred growth potential, a variety of lifetime annuity payout options, a death benefit during the accumulation phase, and an income benefit (for an additional fee) that provides a choice between consistent, level income, or increasing income potential to help meet your needs.

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

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Income Benefit riders

When purchasing Index Advantage Income ADV®, you will select an income benefit rider that best fits your goals – whether your priority is maximizing lifetime income or balancing income with what you leave behind. Both options provide lifetime income, but differ in how they can help support your income today and your legacy tomorrow.

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Income payment options

Two choices for receiving income payments – Level Income, or Increasing Income.

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Powerful features for life‘s what-ifs

Access the potential for double income payments when you need them with the Income Multiplier Benefit available with an income benefit rider for no separate fee other than the income benefit rider fee.3 Expand your options for leaving a meaningful legacy with our optional Legacy+™ Benefit only available through the Legacy+™ Income Benefit.4

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Investor profile and index options

Index Advantage Income ADV® Annuity allows you to customize your allocations with one or more index options, each offering a unique risk/return objective to help meet various investor profiles. Explore the chart below to learn more about what each index option offers and which one(s) might be an appropriate fit for you.

Indexes available with the Index Advantage Income ADV® RILA index strategies

Because indexes may perform differently under similar market conditions, Index Advantage Income ADV® offers five indexes.

 
S&P 500® Index: A large-cap American stock market index based on market capitalizations of 500 companies. Often considered one of the best overall representations of the U.S. stock market.
 
Russell 2000® Index: A small-cap stock market index of the smallest 2,000 companies in the Russell 3000 Index. A common benchmark for companies that identify as small-cap based on market capitalization.
 
Nasdaq-100® Index: A large-cap market index that includes 100 of the largest domestic and international nonfinancial securities listed on the Nasdaq Stock Market.
 
iShares® MSCI Emerging Markets ETF: An exchange-traded fund that seeks to track the investment results of the MSCI Emerging Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large- and mid-capitalization companies.
 
EURO STOXX 50®: An international stock market index that provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone countries.

Although 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.

The contract value could experience a loss over the term if the index declines more than the level of downside protection of the buffer or experiences losses down to the floor. It may not be able to participate fully in a market recovery due to cap or trigger rate limits on positive index returns in subsequent terms. Negative index returns in excess of the buffer, or down to the floor, on the term end date will reduce the contract value.

Current MVA reference rate: 6.54 % as of 10/13/2026

Uses the yield of the Bloomberg US Long Corporate Bond Index

Historical MVA reference rates

Ready to take the next step?

Because RILAs are complex products, Index Advantage Income ADV® is available exclusively through securities-registered financial professionals. Ask your financial professional if it may may be an appropriate fit as part of your overall portfolio.

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Already have a financial professional?

Talk to your registered representative to see if Index Advantage Income ADV® Annuity may be appropriate for you. Here are some questions they can help answer:

  1. Are your purchase payments protected?5
  2. How can this product fit into my overall portfolio?
  3. Are there guarantees available with this product?
  4. What else should I consider that might impact my retirement?

1 Index Advantage Income ADV® Annuity includes a 0.25% product fee plus rider fee(s) based on your rider selection. The Income Benefit rider fee is 0.70% and the Legacy+™ Income Benefit total rider fees are 1.55% (0.70% for the income benefit and an 0.85% additional rider fee for the Legacy+™ Benefit). The rider fees are accrued daily and deducted on each quarterly contract anniversary, 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. You must select an income benefit (either the Income Benefit or Legacy+™ Income Benefit) at issue and you cannot add or change the selected income benefit after issue.

2 Beginning at age 45, lifetime income percentages are guaranteed to increase each year clients wait to start income. Lifetime income payments can begin on any Index Anniversary once the eligible person reaches age 50, and no later than age 100 after a minimum waiting period of one index year. For joint payments, the age of the younger eligible person will be used to determine income percentages, income percentage increases, and when income payments begin.

Although waiting to begin income payments can increase the Lifetime Income Percentage, if the index returns result in a performance credit that is zero or negative, it may counteract any increase in the Lifetime Income Percentage and may result in a lower payment.

3 Double income payments come from the Income Multiplier factor. We establish the Income Multiplier Benefit wait period and the Income Multiplier factor on the date you sign your application provided we receive your initial purchase payment within the required time period, which may differ from the terms stated here. Income Benefit supplements with terms for each Allianz® RILA with Income Benefit can be found at www.allianzlife.com/rates.

4 Deductions for applicable fees and charges may result in a loss of principal or previously earned performance credits, which are the annual returns you may receive when you allocate to an index option, and will not receive a performance credit on the next Term End Date.

5 Deductions for applicable fees and charges may result in a loss of principal or previously earned performance credits, which are the annual returns you may receive when you allocate to an index option, and will not receive a performance credit on the next Term End Date.

Check the background of Allianz Life Financial Services, LLC on FINRA's BrokerCheck.

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. Withdrawals may be subject to a market value adjustment. 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 Allianz® registered index-linked annuities (RILAs) and any available variable option(s), 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 RILA, index options, and any available variable option(s), which you should carefully consider. Please read the prospectuses thoroughly before sending money.

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

The S&P 500® Index is comprised of 500 stocks representing major U.S. industrial sectors. The S&P 500® Futures Daily Risk Control 5% Index is comprised of the S&P 500 Futures Index ER and the S&P 10-Year Treasury Note Futures Index ER and is balanced daily to achieve target volatility.

The "S&P 500® Index", and "S&P 500® Futures Daily Risk Control 5% Index" are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and have been licensed for use by Allianz Life Insurance Company of North America (“Allianz”). S&P®, S&P 500®, SPX®, SPY®, US 500™, The 500™, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. It is not possible to invest directly in an index. Allianz products are not sponsored or sold by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices do not make any representation or warranty, express or implied, to the owners of the 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 S&P 500® Index, and/or S&P 500® Futures Daily Risk Control 5% Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Allianz with respect to the S&P 500® Index, and S&P 500® Futures Daily Risk Control 5% Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500® Index, and S&P 500® Futures Daily Risk Control 5% Index are determined, composed and calculated by S&P Dow Jones Indices without regard to Allianz or Allianz products. S&P Dow Jones Indices have no obligation to take the needs of Allianz or the owners of Allianz products into consideration in determining, composing or calculating the S&P 500® Index, and S&P 500® Futures Daily Risk Control 5% Index. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of Allianz products. There is no assurance that investment products based on the S&P 500® Index, or S&P 500® Futures Daily Risk Control 5% Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, “promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. SPDJI provides indices that use environmental, social and/or governance (ESG) indicators (including, without limit, business involvement screens, conformance to voluntary corporate standards, GHG emissions data, and ESG scores) to select, weight and/or exclude constituents. ESG indicators seek to measure a company’s, or an asset’s performance, with respect to E, S and/or G criteria. ESG indicators are derived from publicly reported data, modelled data, or a combination of reported and modelled data. ESG indicators are based on a qualitative assessment due to the absence of well-defined uniform market standards and the use of multiple methodologies to assess ESG factors. No single clear, definitive test or framework (legal, regulatory, or otherwise) exists to determine labels such as, ‘ESG’, ‘sustainable’, ‘good governance’, ‘no adverse environmental, social and/or other impacts’, or other equivalently labeled objectives. Therefore, the exercise of subjective judgment is necessary. Different persons may classify the same investment, products and/or strategy differently regarding the foregoing labels.   

NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500® INDEX, AND S&P 500® FUTURES DAILY RISK CONTROL 5% INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ, OWNERS OF THE ALLIANZ PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® INDEX, AND S&P 500® FUTURES DAILY RISK CONTROL 5% INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND ALLIANZ, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

The 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® Index 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 (the “Index”) is a trademark of Frank Russell Company (“Russell”) and has been licensed for use by Allianz Life Insurance Company of North America (“Allianz”). Allianz products are not in any way sponsored, endorsed, sold, or promoted by Russell or the London Stock Exchange Group companies (“LSEG”) (together the “Licensor Parties”) and none of the Licensor Parties make any claim, prediction, warranty, or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index (upon which the Allianz product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Allianz product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.

The Nasdaq-100 Index® includes 100 of the largest domestic and international non-financial securities listed on the NASDAQ Stock Market® based on market capitalization.

NASDAQ®, and Nasdaq-100 Index®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as 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).

The EURO STOXX 50® provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal, and Spain.

The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group, or their licensors, which is used under license. Allianz products are neither sponsored nor promoted, distributed or in any other manner supported by STOXX, Deutsche Börse Group or their licensors, research partners, or data providers and STOXX, Deutsche Börse Group and their licensors, research partners, or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions, or interruptions in the EURO STOXX 50 or its data.

The iShares® MSCI Emerging Markets ETF is distributed by BlackRock Investments, LLC. iShares®, BLACKROCK®, and the corresponding logos are registered trademarks of BlackRock, Inc. and its affiliates (“BlackRock”) and are used under license. These trademarks have been licensed for certain purposes by Allianz Life Insurance Company of North America ("Allianz") and its wholly-owned subsidiaries. Products offered by Allianz or its wholly-owned subsidiaries are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares® MSCI Emerging Markets ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by Allianz or its wholly-owned subsidiaries or any member of the public, regarding the advisability of purchasing a product from Allianz or its wholly-owned subsidiaries. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares MSCI Emerging Markets ETF or any data related thereto, or with the operation, marketing, trading or sale of any products or services offered by Allianz and its wholly-owned subsidiaries.

• 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

Registered index-linked annuities are issued by Allianz Life Insurance Company of North America and distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.com. (L40538-01-IADV)

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