Allianz Life Insurance Company of North America

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Index Advantage Income ADV

The Index Advantage Income ADV Annuity is a safe and steady financial friend in retirement. Its standout feature is guaranteeing you a lifetime income stream, giving you certainty and peace.

Worried about outliving your savings? Not with this product. It also offers potential for higher returns based on market performance. Relax knowing your future is secure!

Index Advantage Income ADV

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Investment

Your Gender

Your Age

Retire At

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About Product

Type

Registered Index-Linked

Purpose

Lifetime Income

Surrender schedule

No Surrender Charge

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$5,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, 401a, IRA Transfer, SEP IRA, IRA-Roth, and TSP

Index Advantage Income ADV is an index variable annuity designed to meet your long-term goals. It can help you address both halves of your retirement strategy:

accumulating retirement savings and
receiving income in the form of lifetime withdrawals.

Product and Rider Fees:
Accrued daily and deducted on each 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).

Product Fee is 0.25%
Rider Fee is 0.70% for the Income Benefit.

Rider fee is 0.20% for the Maximum Anniversary Value Death Benefit. If you select this benefit, you will pay 1.15% in total annual Contract fees (product fee plus the rider fees).

Other Contract Fees and Expenses:

Withdrawal charge
$50 contract maintenance charge assessed annually if the total Contract Value is less than $100,000.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year EURO STOXX 50 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	10.6% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	9.1% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	11.7% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	11.5% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	11% Performance triggered
3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point Triennial	100% Participation
1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	20.75% Cap
6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer Uncapped	Point to Point 6-Year	110% Participation
6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer Uncapped	Point to Point 6-Year	105% Participation
1-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	13.25% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	11.25% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	17.5% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	13.75% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	13.75% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	12% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	20% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	13.75% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	25.5% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	21.25% Cap
1-Year EURO STOXX 50 PTP Cap Protection Strategy	Point to Point Annual	7.25% Cap
3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point Triennial	100% Participation 90% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	23.5% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	21.75% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	28.75% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	31.5% Cap
1-Year S&P 500 PTP Cap Guard Strategy	Point to Point Annual	16.25% Cap
1-Year Russell 2000 PTP Cap Guard Strategy	Point to Point Annual	20.5% Cap
1-Year Nasdaq-100 PTP Cap Guard Strategy	Point to Point Annual	16.75% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Guard Strategy	Point to Point Annual	23.5% Cap
1-Year EURO STOXX 50 PTP Cap Guard Strategy	Point to Point Annual	31% Cap
1-Year S&P 500 PTP Cap Protection Strategy	Point to Point Annual	5.25% Cap
1-Year Russell 2000 PTP Cap Protection Strategy	Point to Point Annual	5.5% Cap
1-Year Nasdaq-100 PTP Cap Protection Strategy	Point to Point Annual	5.75% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Protection Strategy	Point to Point Annual	6.25% Cap
6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped	Point to Point 6-Year	115% Participation
3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped	Point to Point Triennial	110% Participation
3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped	Point to Point Triennial	105% Participation
6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped	Point to Point 6-Year	115% Participation
1-Year EURO STOXX 50 Protection Strategy with DPSC	Performance Triggered Annual	5.5% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Protection Strategy with DPSC	Performance Triggered Annual	4.5% Performance triggered
1-Year Nasdaq-100 Protection Strategy with DPSC	Performance Triggered Annual	5.2% Performance triggered
1-Year Russell 2000 Protection Strategy with DPSC	Performance Triggered Annual	5.1% Performance triggered
1-Year S&P 500 Protection Strategy with DPSC	Performance Triggered Annual	4.7% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Precision Strategy	Performance Triggered Annual	10.7% Performance triggered
1-Year EURO STOXX 50 Precision Strategy	Performance Triggered Annual	14.1% Performance triggered
1-Year Nasdaq-100 Precision Strategy	Performance Triggered Annual	14% Performance triggered
1-Year Russell 2000 Precision Strategy	Performance Triggered Annual	14.5% Performance triggered
1-Year S&P 500 Precision Strategy	Performance Triggered Annual	12% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	8.4% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	6.8% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	8.1% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	6.1% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	7.1% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	5.5% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	8.3% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	6.8% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	6.8% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	7.6% Performance triggered
3-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up Triennial	26% Performance triggered
3-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up Triennial	32% Performance triggered
3-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up Triennial	24% Performance triggered
3-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up Triennial	29% Performance triggered
6-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up 6-Year	50% Performance triggered
6-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up 6-Year	58% Performance triggered
6-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up 6-Year	48% Performance triggered
6-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up 6-Year	55% Performance triggered

Riders

Name	Inbuilt	Fee
Maximum Anniversary Value Death Benefit	No	0.20% annually
Index Advantage Income ADV Level	Yes	0.70% annually
Index Advantage Income ADV Increasing	Yes	0.70% annually

Waivers

No Waivers for Index Advantage Income ADV annuity.

Premium Notes

Income payment options:

Level Income
Consistent, dependable income for life. This may be a good choice if you want the reassurance of knowing exactly how much income you’ll receive annually and if you want a guaranteed stream of income that you can’t outlive.
Increasing Income
Guaranteed income for life – plus an opportunity for payment increases. This offers a smaller payment upfront compared to the Level Income option, with the potential to increase each year by credits earned by your selected index options.

Withdrawal Provisions

Free Withdrawal Privilege10% of total Annual Contribution Amounts, available annually without any MVA applied; any unused portion does not carry over from one index year to the next. On a full withdrawal, prior free withdrawals may be subject to an MVA as described in the prospectus. The free withdrawal privilege is not available on full withdrawals and is no longer available once income payments or annuity payments begin. All withdrawals are subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal additional tax.

Company Founded: 1896

TOP Rated Company

Allianz Life Insurance Company of North America

Company Ratings

4.4