Index Strategy Calculator for Index Advantage Income

We designed the Allianz Index Advantage Income® Variable Annuity to help you meet your financial goals. It provides tax deferral,1 a variety of lifetime payout options, and a choice between two death benefit options (one optional, and at an additional cost) during the accumulation phase. The contract allows you to allocate among multiple traditional variable options, and crediting methods, also called index strategies: the Index Performance Strategy: 1-Year Term, the Index Guard Strategy, and the Index Protection Strategy with cap, and the Index Protection Strategy with DPSC.2

This material must be preceded or accompanied by the Allianz Index Advantage Income client brochurecurrent prospectus, and index strategy inserts: Index Performance Strategy: 1-Year Term, Index Guard Strategy, Index Protection Strategy.

A personalized, full product illustration can demonstrate how the index variable annuity may be suitable for your specific situation. Clients should consult with a financial professional to determine if the Allianz Index Income Advantage Variable Annuity can help meet their retirement needs.

This calculator is not intended to constitute fiduciary advice. You should consult with a financial professional to discuss your specific situation.

This interactive tool allows you to view how allocations to the Index Performance Strategy: 1-Year Term, the Index Guard Strategy, the Index Protection Strategy with cap, and the Index Protection Strategy with DPSC could react to a hypothetical index(es) return using current cap, buffer, floor and Declared Protection Strategy Credit (DPSC) rates. Index strategy availability may vary by state, issue date, and broker/dealer. Information and interactive calculators are hypothetical and for illustrative use only. Allianz Life Insurance Company of North America cannot and does not guarantee their applicability to any individual circumstances. The results are based on inputs provided by you and are not intended to represent actual performance or predict future results. Actual index returns may be higher or lower than the range provided. The tool does not take into account any allocation to the variable options. Your results would be different if allocated to the variable options. The annual product fee, annual Income Benefit rider fee, and contract maintenance charges are not reflected and, if deducted, would lower the results shown. You should consider all of a product's features and benefits and consult with a financial professional regarding your investment objectives and risk tolerance before purchasing a variable annuity.

 

 

1 Withdrawals will reduce the contract value and the value of any protection benefits. 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.

2 The Index Guard Strategy, Index Protection Strategy, iShares® MSCI Emerging Markets ETF, and EURO STOXX 50® may not be available to certain inforce contracts, based on contract issue date as stated in the prospectus.

For current caps and DPSCs on newly issued contracts, go to www.allianzlife.com/indexincomerates.

Caps and DPSCs are subject to change on the Term Start Date. Caps, buffers, and floors can vary between indexes and terms, between newly issued contracts and inforce contracts, and between inforce contracts issued on different days and in different years. DPSCs can vary between newly issued and inforce contracts, and inforce contracts issued on different days and in different years. The minimum for the Index Performance Strategy cap, and Index Guard Strategy cap is 3.00%. The minimum for the Index Protection Strategy cap and DPSC is 0.50%.

Although an external securities index or indexes will effect your Index Option Values, the Allianz Index Advantage Income Variable Annuity index options do not directly participate in any stock or equity investments. An allocation to the index options is not a purchase of shares of any stock or index fund, or a direct investment in an index. The external market index value does not include the dividends paid on the stocks underlying a stock index.

You can lose money if you allocate to the Index Performance Strategy: 1-Year Term and Index Guard Strategy as a result of index fluctuations, and that loss could be substantial. If the index return is 0%, you could lose money as a result of the deduction of any applicable contract fees and charges.


Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America and do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

The S&P 500® Index (S&P 500®) is comprised of 500 stocks representing major U.S. industrial sectors.

S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P® and S&P 500® are trademarks of S&P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (“Allianz”). The S&P 500 is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product.

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 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 EURO STOXX 50®, 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 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

Products are issued by Allianz Life Insurance Company of North America and are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. (L40538-IAI)

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