Index Advantage ADV

Allianz Index Advantage ADV provides a combination of traditional variable options along with the multiple index strategies. Each index option is the combination of a crediting method, also called an index strategy, the index, and the time period for measuring Index Performance (term). 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. No single index option consistently delivers the most return under all market conditions.

Your contract has a 0.25% annual product fee 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. Refer to the product brochure for more information on definitions of terms.

Product and Rider Fees
Accrued daily and deducted on each Quarterly Contract Anniversary (the day that occurs three
calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary). Each fee is
calculated as a percentage of the Charge Base (the Contract Value on the preceding Quarterly
Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals).

(Annual Contract Fee ) Contract maintenance charge: $50 annually (waived for contract values of $100,000)
• $25 fee per transfer if you make more than twelve transfers between Variable Options in a Contract Year.
• Variable Option operating expenses before fee waivers and expense reimbursements of 0.67% to 0.88% of the average daily net assets.
A Contract Year is any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary. A Contract Anniversary is a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.

Variable Options
Blackrock
AZL Government Money Market Fund
Other Expenses for the AZL Government Money Market Fund include a recoupment of prior waived fees in the amount of 0.24%. The Manager has voluntarily undertaken to waive, reimburse, or pay the Fund’s expenses to the extent necessary in order to maintain a minimum daily net investment income for the Fund of 0.00%. The recoupment of prior waived fees reflects the recoupment of amounts previously waived, reimbursed, or paid by the Manager under this arrangement. Such recoupments are subject to the following limitations: (1) the repayments will not cause the Fund’s net investment income to fall below 0.00%; (2) the repayments must be made no later than three years after the end of the fiscal year in which the waiver, reimbursement, or payment took place; and (3) any expense recovery paid by the Fund will not cause its expense ratio to exceed 0.87%. See the Investment Option prospectus for further information.

Allianz Fund of Funds
AZL MVP Balanced Index Strategy Fund
AZL MVP Growth Index Strategy Fund
The underlying funds may pay 12b-1 fees to the distributor of the Contracts for distribution and/or administrative services. The underlying funds do not pay service fees or 12b-1 fees to the Allianz Fund of Funds and the Allianz Fund of Funds do not pay service fees or 12b-1 fees. The underlying funds of the Allianz Fund of Funds may pay service fees to the insurance companies issuing variable contracts, or their affiliates, for providing customer service and other administrative services to contract purchasers. The amount of such service fees may vary depending on the underlying fund.

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 0.25%, withdrawal charges, contract maintenance charges, and, if applicable, any rider fees 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.