Allianz Index Advantage+® Variable Annuity

Index Advantage+®, our core registered index-linked annuity (RILA), is designed to help you accumulate money for retirement. It can give you long-term growth potential – plus a level of protection through multiple index options.

Already own Index Advantage+®?

Learn more about RILAs

Run the numbers

Additional resources

View RILA consumer brochure (PDF)

View Index Advantage+® product profile (PDF)

View RILA index options guide (PDF)

View RILA performance lock brochure (PDF)

View Index Advantage+® prospectus (PDF)

Index Advantage+® offers a different risk/return consideration from traditional accumulation products and is designed to complement your portfolio. It provides indexed return potential with the opportunity for varying levels of protection through multiple index options available prior to receiving annuity payments, tax-deferred growth potential, a variety of annuity options, and a death benefit during the accumulation phase.

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.

Investor profile and index options

Allianz Index Advantage+® Variable 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 the right fit for you.

Index Performance Strategy Multi-Year Terms

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
6-year term 3-year term	10% buffer 20% buffer	S&P 500® Index Russell 2000® Index	Provides different levels of performance potential (includes a participation rate and may be capped or uncapped) based on the level of buffered protection.	Provides a level of protection with a buffer that absorbs a certain percentage of negative index return.

Download Index Performance Strategy Multi-Year Term (PDF)

Index Performance Strategy 1-Year Term

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
1-year term	10% buffer 20% buffer 30% buffer	S&P 500® Index Russell 2000® Index Nasdaq-100® Index iShares® MSCI Emerging Markets ETF EURO STOXX 50®	Provides different levels of performance potential (may be capped or uncapped) based on the level of buffered protection.	Provides a level of protection with a buffer that absorbs a certain percentage of negative index return.

Download Index Performance Strategy 1-Year Term (PDF)

Index Precision Strategy

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
1-year term	10% buffer	S&P 500® Index Russell 2000® Index Nasdaq-100® Index iShares® MSCI Emerging Markets ETF EURO STOXX 50®	Credits an annual predetermined Trigger Rate if the annual index value is zero or positive.	Provides a level of protection with a buffer that absorbs the first 10% of negative index performance.

Download Index Precision Strategy 1-Year Term (PDF)

Index Dual Precision Strategy Multi-Year or 1-Year Terms

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
1-year term 3-year term 6-year term	10% buffer 20% buffer 30% buffer* *Not available with multi-year terms	S&P 500® Index Russell 2000® Index Nasdaq-100® Index iShares® MSCI Emerging Markets ETF EURO STOXX 50® *Certain indexes are not available with multi-year terms	Credits a predetermined trigger rate if the index return is positive, zero, or negative and within the buffer.	Negative index return equal to or within the buffer provides a positive credit of the trigger rate, but if it exceeds the buffer it provides a negative credit equal to the amount of return in excess of the buffer.

Download Index Dual Precision Strategy (PDF)

Index Guard Strategy

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
1-year term	-10% floor	S&P 500® Index Russell 2000® Index Nasdaq-100® Index iShares® MSCI Emerging Markets ETF EURO STOXX 50®	Provides performance potential up to a cap.	Provides protection with a -10% floor, which means you assume the first 10% negative index loss and no more.

Download Index Guard Strategy 1-Year Term (PDF)

Index Protection Strategy with Trigger

Term Length	Protection Level	Indexes Available	If Market Is Up	If Market Is Down
1-year term	100% protection from negative index returns	S&P 500® Index Russell 2000® Index Nasdaq-100® Index iShares® MSCI Emerging Markets ETF EURO STOXX 50®	Offers less growth potential than other index strategies with lower caps and Trigger Rates.	No losses will occur due to negative index returns.

Download Index Protection Strategy with Trigger 1-Year Term (PDF)

Indexes available with the Allianz Index Advantage+® Variable Annuity RILA index strategies

Because indexes may perform differently under similar market conditions, Index Advantage+® 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 your index option values, the index options do not directly participate in any stock or equity investment and are not a direct investment in an index.

You could experience a loss during a term if the index declines more than the level of downside protection. You may not be able to participate fully in a market recovery due to limits on positive returns in subsequent terms.

Ready to take the next step?

Because RILAs are complex products, Index Advantage+® is available exclusively through licensed financial professionals. Ask your financial professional if it may be a good fit as part of your overall portfolio.

Already have a financial professional?

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

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

Don't have a financial professional?

Still have additional questions?

¹ Deduction 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 contract values (including any cash value) and the value of any potential protection benefits. Withdrawals taken within the period stated in the prospectus will be subject to a withdrawal charge or a Market Value Adjustment (MVA), depending on the product. 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^® Index 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.

Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices make no representation or warranty, express or implied, to the owners of the Allianz products or any member of the public regarding the advisability of investments generally or in Allianz products particularly or the ability of the Index to track general market performance. S&P Dow Jones Indices’ only relationship to Allianz with respect to the 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 third-party licensors. The Index is determined, composed, and calculated by S&P Dow Jones Indices without regard to Allianz or the products. S&P Dow Jones Indices have no obligation to take the needs of Allianz or the owners of the products into consideration in determining, composing, or calculating the Index. S&P Dow Jones Indices are not responsible for and have not participated in the design, development, pricing, and operation of the products, including the calculation of any interest payments or any other values credited to the products. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing, or trading of products. There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC and its subsidiaries are not investment advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to products currently being issued by Allianz, but which may be similar to and competitive with Allianz products. In addition, CME Group Inc., an indirect minority owner of S&P Dow Jones Indices LLC, and its affiliates may trade financial products which are linked to the performance of the Index. It is possible that this trading activity will affect the value of the products.

S&P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE 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 MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE 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. 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

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. (L40538-01)

This content does not apply in the state of New York.

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

Allianz Index Advantage+® Variable Annuity

Additional resources

Error