Allianz Pro V1 Annuity five-year hypothetical

The Allianz Pro V1SM Annuity is a fixed index annuity offering principal protection, a 5-year surrender charge period, and an annual point-to-point crediting method with annual reset, no cap, and a spread. It offers accumulation potential based on positive changes in the Barclays Capital U.S. Aggregate Bond Index, the PIMCO US Advantage Index,SM and/or a fixed interest allocation.

Keep in mind that annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries.

The graphs below provide a snapshot of the last 20 years to illustrate the potential effects of index fluctuations on your contract values had the Allianz Pro V1 annuity been available. We show four 5-year illustrations to show how the product could have behaved in different types of historical environments. Since the product has five-year surrender charge we chose that same period to show the accumulation value after the surrender charge period is over. Each hypothetical example assumes $100,000 premium with 100% allocated to the Barclays bond index, no withdrawals taken, and an annual spread of 1.50%. The maximum spread is 6%. These examples are based on actual Barclays bond index performance from 1/1/1990 - 12/31/2009.

The guaranteed accumulation value is based on a bond index scenario where the indexed interest rate is zero in all contract years. The guaranteed cash surrender value is the guaranteed accumulation value minus the surrender charge. It assumes no interest was earned over the five-year period as worst-case scenario.

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Although an external index may affect your contract values, the contract does not directly participate in any bonds or investments. You are not buying bonds or shares of an index fund. It is not possible to invest directly in an index.

A surrender charge applies for the first five contracts year. If you surrender your contract during this period, or if you do not meet the contract’s annuitization requirements, we will apply a surrender charge. This may result in a loss of any earned interest, and a partial loss of principal.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.
 


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The Barclays Capital U.S. Aggregate Bond Index is comprised of U.S. investment-grade, fixed-rate bond market securities, including government agency, corporate, and mortgage-backed securities. Barclays Capital and Barclays Capital U.S. Aggregate Bond Index are trademarks of Barclays Capital Inc. (”Barclays Capital”). Allianz products are not sponsored, endorsed, sold, or promoted by Barclays Capital. Barclays Capital makes no representation or warranty, express or implied, to the owners of Allianz products or any member of the public regarding the advisability of investing in securities generally or in Allianz products particularly or the ability of the Barclays Capital indices, including without limitation, the Barclays Capital U.S. Aggregate Bond Index, to track general bond market performance. Barclays Capital’s only relationship to Allianz Life Insurance Company of North America and its affiliates (”Allianz”) is the licensing of the Barclays Capital U.S. Aggregate Bond Index which determined, composed, and calculated by Barclays Capital without regard to Allianz or Allianz products. Barclays Capital has no obligation to take the needs of Allianz or the owners of Allianz products into consideration in determining, composing, or calculating the Barclays Capital U.S. Aggregate Bond Index. Barclays Capital is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of Allianz products to be issued or in the determination or calculation of the equation by which Allianz products are to be converted into cash. Barclays Capital has no obligation or liability in connection with the administration, marketing, or trading of Allianz products. Barclays Capital does not guarantee the quality, accuracy, and/or the completeness of the Barclays Capital indices, or any data included therein, or otherwise obtained by Allianz, owners of Allianz products, or any other person or entity from the use of the Barclays Capital indices, including without limitation, the Barclays Capital U.S. Aggregate Bond Index, in connection with the rights licensed hereunder or for any other use. Barclays Capital makes no express or implied warranties, and hereby expressly disclaims all warranties of merchantability or fitness for a particular purpose or use with respect to the Barclays Capital indices, including without limitation, the Barclays Capital U.S. Aggregate bond Index, or any data included therein. Without limiting any of the foregoing, in no event shall Barclays Capital have any liability for any special, punitive, indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.

The PIMCO US Advantage IndexSM (the “Index”) is a comprehensive U.S. bond market index, offering exposure to interest rate swaps, inflation-protected securities, investment grade corporate bonds, and securitized instruments such as mortgage-backed securities. The PIMCO US Advantage Index is a trademark of Pacic Investment Management Company LLC (”PIMCO”) and has been licensed for use by Allianz Life Insurance Company of North America (Allianz) in connection with the annuity. The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of Allianz, the annuity, or owners of the annuity. The annuity is not sold, sponsored, endorsed, or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. PIMCO does not provide investment advice to Allianz with respect to the annuity or to owners of the annuity.

Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to Allianz with respect to the annuity. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the annuity particularly.

PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. PIMCO shall have no responsibility or liability whatsoever with respect to the annuity.

Allianz Life Insurance Company of North America and PIMCO are subsidiaries of Allianz SE.

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. 800-950-1962, www.allianzlife.com.

THE PURCHASE OF AN ANNUITY IS AN IMPORTANT FINANCIAL DECISION. YOU SHOULD HAVE A FULL DISCUSSION WITH YOUR ALLIANZ FINANCIAL PROFESSIONAL BEFORE MAKING ANY DECISION.


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