Allianz Life Insurance Company of North America

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Index Advantage+ NF

The Index Advantage+ NF is a practical annuity choice, designed to secure your retirement income. With its built-in growth potential and protection from market downturns, it's a safety net for your golden years.

Its flexibility and options for lifetime income add a layer of retirement peace of mind. Ensure for your future that Index Advantage+ NF promises today!

Index Advantage+ NF

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

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

The Allianz Index Advantage NF Variable Annuity offers a different risk-return consideration from traditional accumulation products and is designed to complement your portfolio. It includes a choice between two death benefits (one optional, for an additional fee) during the accumulation phase, three variable options, and multiple innovative index strategies to help meet your needs.

Rider Fee
Rider Fee is 0.20% for the Maximum Anniversary Valued Death Benefit

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.

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, VA, 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	8.6% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	7.9% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	10.2% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	10.2% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up Annual	8.7% Performance triggered
6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer Uncapped	Point to Point 6-Year	100% Participation
3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer	Point to Point Triennial	100% Participation 100% Cap
6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer	Point to Point 6-Year	100% Participation 85% Cap
3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point Triennial	100% Participation 45% Cap
3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point Triennial	100% Participation 40% Cap
6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point 6-Year	100% Participation 125% Cap
6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer	Point to Point 6-Year	100% Participation 80% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	10.75% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	8.5% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	12.25% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	9.75% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	10.75% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	9.25% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	13.5% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	9.75% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer	Point to Point Annual	16% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer	Point to Point Annual	11.5% Cap
1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	15.25% Cap
3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer	Point to Point Triennial	100% Participation 70% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	20.75% Cap
1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	16% Cap
1-Year Russell 2000 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	17.75% Cap
1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer	Point to Point Annual	25.5% Cap
1-Year Russell 2000 PTP Cap Guard Strategy	Point to Point Annual	14.5% Cap
1-Year iShares MSCI Emerging Markets ETF PTP Cap Guard Strategy	Point to Point Annual	16.75% Cap
1-Year EURO STOXX 50 PTP Cap Guard Strategy	Point to Point Annual	20.25% Cap
1-Year Nasdaq-100 PTP Cap Guard Strategy	Point to Point Annual	12% Cap
1-Year S&P 500 PTP Cap Guard Strategy	Point to Point Annual	11% Cap
1-Year iShares MSCI Emerging Markets ETF Protection Strategy	Performance Triggered Annual	5.4% Performance triggered
1-Year EURO STOXX 50 Protection Strategy	Performance Triggered Annual	6.3% Performance triggered
1-Year S&P 500 Protection Strategy	Performance Triggered Annual	6.1% Performance triggered
1-Year Russell 2000 Protection Strategy	Performance Triggered Annual	6.2% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Precision Strategy	Performance Triggered Annual	9.6% Performance triggered
1-Year Russell 2000 Precision Strategy	Performance Triggered Annual	12.3% Performance triggered
1-Year EURO STOXX 50 Precision Strategy	Performance Triggered Annual	11.1% Performance triggered
1-Year S&P 500 Precision Strategy	Performance Triggered Annual	10.5% Performance triggered
1-Year Nasdaq-100 Precision Strategy	Performance Triggered Annual	12.1% Performance triggered
1-Year Nasdaq-100 Protection Strategy	Performance Triggered Annual	5.9% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	5.3% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	6.6% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	5.4% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	5.7% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	7.2% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	5.7% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	5.7% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer	Dual Step Up Annual	4.5% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	6.2% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up Annual	7.3% Performance triggered
3-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up Triennial	23% Performance triggered
3-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up Triennial	28% Performance triggered
3-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up Triennial	20% Performance triggered
3-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up Triennial	25% Performance triggered
6-Year Russell 2000 Dual Precision Strategy with 20% Buffer	Dual Step Up 6-Year	40% Performance triggered
6-Year Russell 2000 Dual Precision Strategy with 10% Buffer	Dual Step Up 6-Year	45% Performance triggered
6-Year S&P 500 Dual Precision Strategy with 20% Buffer	Dual Step Up 6-Year	38% Performance triggered
6-Year S&P 500 Dual Precision Strategy with 10% Buffer	Dual Step Up 6-Year	45% Performance triggered

Surrender schedule

Year	1	2	3	4	5	6
Penalty	8%	8%	7%	6%	5%	4%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

Name	Inbuilt	Fee
Maximum Anniversary Value Death Benefit	No	0.20% annually

Waivers

Nursing Home

Unavailable in states: MA

In most states, this benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days.

ADL

Unavailable in states: MA

After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).

Premium Notes

Daily Adjustment
On days other than the Term Start Date and Term End Date the index options are valued through the daily adjustment, which is the estimated present value of the future Performance Credit.
The Daily Adjustment can be negative with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy. You will lose money if the Daily Adjustment is negative. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option on the Term End Date. If you select multiple multi-year Term Index Options, there may be no time that any such transaction can be performed without the application of at least one Daily Adjustment.

Withdrawal Provisions

Free Withdrawal PrivilegeAllows you to withdraw 10%of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a withdrawal charge.Any unused free withdrawal privilege in one Contract Year is not added to the amount available in the next Contract Year.If you withdraw more than the free withdrawal privilege, we will assess a withdrawal charge if the withdrawal is taken from a Purchase Payment we received within the last six years.

Company Founded: 1896

TOP Rated Company

Allianz Life Insurance Company of North America

Company Ratings

4.4