Allianz Index Advantage Calculator

We designed the Allianz Index Advantage® 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, the Index Precision Strategy, the Index Guard Strategy and the Index Protection Strategy.2

Index Performance Strategy is a crediting method, available with several indexes, that provides upside potential with a level of protection from smaller index losses. This may be a good option if you are willing to take on some level of risk along with the opportunity to grow your assets. This is accomplished by annually applying a performance credit based on the index return, subject to an upper limit called the cap, if the index return is positive. If the index return is negative, you may receive a negative performance credit, but only when the loss is greater than the 10% buffer.

  • Competitive growth potential: For current caps on newly issued contracts, visit www.allianzlife.com/indexrates.
  • Buffer: Offers a level of protection by transferring away some investment risk. The buffer absorbs, the first 10% of negative index return in any given index year. (Losses in excess of the 10% buffer will reduce the index option value by the amount that exceeds the buffer.)

Caps are subject to significant change annually on the Index Anniversary. Caps and buffers can vary between indexes, between newly issued contracts and in-force contracts, and between inforce contracts issued on different days and in different years. Caps will never be less than 1.50%.

Index Precision Strategy Is a crediting method, available with several indexes, that provides predetermined upside performance potential with a level of protection from smaller index losses. This may be a good choice if you are looking for a level of protection for your principal, while maintaining the opportunity for predetermined upside potential. If the annual index return is zero or positive, which means the value of the index stayed the same or increased, you'll receive an annual performance credit equal to the Precision Rate. If the annual index return is negative, you may receive an annual negative performance credit, but only when the loss is greater than the 10% buffer.

  • Predetermined upside performance potential: For Precision Rates on newly issued contracts, visit www.allianzlife.com/indexrates.
  • Buffer: Offers a level of protection by transferring away some investment risk. Based on the current buffer rate, the first 10% of a negative index return in any given index year is absorbed by the buffer. (Losses in excess of the 10% buffer will reduce the Index Option Value by the amount that exceeds the buffer.)

Precision Rates are subject to significant change annually on the Index Anniversary. Precision rates and buffers can vary between indexes, between newly issued and inforce contracts, and between inforce contracts issued on different days in different years. Precision Rates will never be less than 1.50%.

Index Guard Strategy is a crediting method, available with several indexes, that provides upside potential with a level of protection from more severe index losses. This may be a good option if you have less tolerance for incurring a large loss, but still want the opportunity to grow your assets. This is accomplished by annually applying a performance credit based on the index return, subject to an upper limit called the cap, if the index return is positive. If the annual index return is negative, you will receive a negative performance credit, but the negative performance credit will never be less than the -10% floor.

  • Competitive growth potential: For current caps on newly issued contracts, visit www.allianzlife.com/indexrates.
  • Floor: The -10% floor helps provide a level of protection by limiting any negative index return to no less than -10%. Negative index returns beyond the -10% floor will not reduce your contract value.

Caps are subject to significant change annually on the Index Anniversary. Caps and floors can vary between indexes, between newly issued contracts and inforce contracts, and inforce contracts issued on different days and in different years. Caps will never be less than 1.50%.

Index Protection Strategy2 is a crediting method that offers principal protection from any amount of index loss due to negative index performance. That means you can protect what you’ve earned, while still having growth opportunities if the value of the index stays the same or increases. If the annual index return is zero or positive, which means the value of the index remained the same or increased, you will receive the Declared Protection Strategy Credit, which is the amount of potential annual return that may be credited in any given year, no more and no less.

  • A level of protection: No losses due to negative index performance. For current DPSCs on newly issued contracts, visit www.allianzlife.com/indexrates.
  • Declared Protection Strategy Credit (or DPSC): Credited to contract if annual index return is zero or positive.

The DPSC is subject to significant change annually on the Index Anniversary and will never be less than 1.50%. DPSCs can vary between indexes between newly issued and inforce contracts, and inforce contracts issued on different days and in different years.

This material must be preceded or accompanied by the Index Advantage client brochure and a current prospectus.

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

This calculator is not intended to constitute fiduciary advice.

This interactive tool allows you to view how a specified combination of allocations to the Index Performance Strategy, the Index Precision Strategy, the Index Guard Strategy and Index Protection Strategy could react to a hypothetical single year index(es) return using current cap, Precision Rate, buffer, floor and 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. 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 of 1.25%, withdrawal charges, contract maintenance charges, and, if applicable, the rider fee 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 Protection Strategy is not available in Missouri or Washington.

Although an external securities index or indexes will affect your Index Option Values, the Allianz Index Advantage 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 you allocate to the Index Performance Strategy, Index Precision Strategy, and Index Guard Strategy as a result of index fluctuations, and that loss could be substantial. If the annual index return is 0%, you could lose money as a result of the deduction of any applicable contract fees and charges.

Deduction of the withdrawal charge, product fee, contract maintenance charge and, if applicable, rider fee may result in a loss of principal and previously earned credits, which is the annual return you may receive when you allocate money to an index option.


For more complete information about variable annuities and the variable options and index options, contact Allianz Life Financial Services, LLC for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity, the variable options, and index options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.

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

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

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