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Allianz Life Insurance Company of North America


MasterDex 5 Plus Annuity

   (RETIRED)

A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
  A.M. Best :  A   Moody's:  A2   Standard & Poor's:  AA  

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
   Cap Spread Cap Spread
1 Year Blended Monthly Average Spread  ***   ***   ***   *** 
1 Year Blended Point-to-Point Cap  ***   ***   ***   *** 
1 Year FTSE 100 Monthly Sum Cap  ***   ***   ***   *** 
1 Year FTSE 100 Point-to-Point Cap  ***   ***   ***   *** 
1 Year Nasdaq 100 Monthly Sum Cap  ***   ***   ***   *** 
1 Year Nasdaq 100 Point-to-Point Cap  ***   ***   ***   *** 
1 Year S&P 500 Monthly Sum Cap  ***   ***   ***   *** 
1 Year S&P 500 Point-to-Point Cap  ***   ***   ***   *** 
1 Year Fixed Interest Account   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rates
NV PA SC TX ****
AK AR AZ CA CO DC FL GA HI ID IL KS LA MA MD ME MI MO MT NC ND NE NH NM OK RI SD TN VA VT WA WI WV WY ****
CT NJ UT ****
AL DE IA IN KY MN MS OH ****

Premium Bonus by Age/State
 Year: 1
Age 0 to 80 in states:
AK AR AZ CA CO DC FL GA HI ID IL KS LA MA MD ME MI MO MT NC ND NE NH NM NV OK RI SC SD TN TX VA VT WA WI WV WY
****
Age 0 to 80 in states:
AL CT DE IA IN KY MN MS NJ OH PA UT
****

Policy Notes

The @annuityNam --[ subscription required to view full text ]--
*** @***********@ ** * ******* ******** ******* (******* ******** ****** *** ***** @*****************@ ****** *****) ***** ***** ******* ***** **** * @************@ ******* ***** ** *** ******** **** ****** *** ***** @*****************@ ****** ***** *** *** * @*******@ **** ********* ****** ******.

Income Plus Benefit
Rider is not available in NV NY OR WA

With the Income Plus Benefit, your annuity can provide you with a stream of income you cannot outlive - PLUS the opportunity for continued indxed growth while you receive income.

• You can choose to defer (delay) the start of your income payments.

Unti --[ subscription2 required to view full text ]-- ******** ****** ************ ******** **************, ******** ************** ****** ************** ****** ******** ** ************ **** ************ ****** ************ ************** - ******** ****** ********************** ****** ****************** ************ ************ ********** ****** ************** ************.

• ****** ****** ************ **** ********** (**********) ****** ********** **** ******** ************ ****************.

********** ******** **************** **********, ******** ************ ******************** ********** **** ******************** **** ******** ********** ******** ****** **** **** **** **********. **** ******** **************** **** ****** ************** ****:

• ****** ********** ******/**** ************** **************** ******** ******** ************** **********, ****
• ****** **************** ****************** ******** (** ****-****** ************** **** ****** ****-******** **************** **************** ********)

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************ ********: ********'** ****** **** **********

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******** ************** ************** ************ ******************** ************ **** ********** **** ******** ****** ******** ****** ********** ******** ************ ****************. **** ****** ****** ****** **** ****** ********** **********, ****** ************ ****** ******** **** ********** ****************** ************ ****************, ****** ************** ****** ******************** **** ******** ****************'** ************ ******************** ********** ****** ****** ************** **** ******** ************** ************** ************ ************ ********************.

************** ************ ******************** ******************:
****** ************ **********
****-**** **.****% **.****%
****-**** **.****% **.****%
****-**** **.****% **.****%

********** **** ********** **** ****** ************** ****** **** ****** **************** **********


******** ****** ****** ****** **** ************ ******************** ********** ****** ************** ************ ************ ******************** ********************?

**** ****** ******** ******** **************** **** ************, ******** ************ ******************** ********** **** ********** **** ****** ************** ****** ******** ******** ****** ******************** **********. ********** ****** ******** ******** ********** ************ ******************** **************, ****** ************** ******** ********************** ******** ************ ******************** ********** **** ************** ****** **************** ************, ****** ********************** ********** **** ****** ******************** **************** ********.

******** ****** ************ **** ********** ************ ************ ******************** ****************, ****** ************** ******** **************** ******** ************** ************ ******************** ********** **** ****** ******************** ************ ******************** ******************** (********** **** ********** **** ******** ****** ******** ****** **************** **********).

****** ************ **** ******** ************** ************ ************ ******************** ************. ************ ************ ************ ********************** ****** ********** **** ******** ************** ************, ****** ******** ****************** ************ ******************** **********.

**** ******** ************** ********** **************** ************ ** **************** ******** **** ****** ******** **************** ********************** ****** ************** ******** ************** ******** ************** ************ ************ ******************** **** ********** ****** ******** **************** ********** (**************** ****************** **** ******** **********************) ******** ****************** ******** ************************ **********,

****** **** ** ****** ****** ****** ************ ******** **************?
****** ************ ******** **** ******** ************** **** ****************** **** ****** ****************** **** ******** **************** ******** ********** **** ****** ************ ******************** **********, ****************** **.****%, ****** ******** **** ************************ **************** **** ** ************** ********** ******** ******'** **************** ************************ **********.

If you die before t --[ subscription required to view full text ]-- ** *** *** ****** *********** ******* ******** **** *****, *** ******* **** *** *** ********* ************ ***** ** **** ************* ** * ***** ******* ** **** ****** ** ******* * ****-*** *******. ** **** ************* ****** ** ******* *** ***** ******* ** ******* ******** **** ** ***** * **** **** ******, *** ******* **** **** *** ******** ** *** ********* ****** ********** ***** *******.

You may cance --[ subscription required to view full text ]-- *** *** ****** *** ***** ** *** **** ** ******* *** **** ****** ******* ******. *** *** *** ********* *** ***** ***** *** ****** **. *** ****** *** *** ***** **** ********* ** *** "**************" ********* *** **** ** ******* **** ******* ****** ** ****** *** *****.


Provisions
Free Look Period: ****
(Free look period may vary by state)
Rate Lock Protection: ****
Bail Out Provision Available: ***
*** *** ***: ****
Loan Provision Available: ***
*** *** ***: ****
Tax Sheltered: ***
Market Value Adjustment: ***
MRD: ***
Front-End Fee: ***
Annual Maintenance Fee: ***
Return of Premium Available: ***
Death Benefit is: *** ****
Premiums
  Non-Qual Qualified
Min Single Premium: **** *******
Max Single Premium:
Age < xx: **** *******
Age > xx: **** *******
Payroll Deduction: **** ****
Min Added Premium: **** ****
Flexible Premiums ******* : ****  
Min Single Premium Impaired: ****** ******
Min Single Premium Period Certain: ****** ******
 
Ages Restrictions
  Min Age Non-Qual Qualified
Owner:   ***** *****
Annuitant: ***** ***** *****
Impaired:   ***** *****
Annuitization Age:   ***** *****

***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


Systematic Withdrawals


Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

FL: The monthly payo --[ subscription required to view full text ]--
**: *** ******* ****** ****** *** ** ********* *** ** ***** ** ******** **** **** ******.
**: ***** ** ** ***** ******** **********.

Commissions
Effective date of commission schedule: 01/07/2014
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

Option A

MasterDex 5 Plus Annuity
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****
Ages 76-80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Option B

MasterDex 5 Plus Annuity
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****
Ages 76-80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****

Option C

MasterDex 5 Plus Annuity
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****
Ages 76-80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11
Initial Premium: **** **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****

  • 100% chargeback in the event of a surrender or the owner's --[ subscription required to view full text ]--
  • ***% ********** ** *** ***** ** * ********* ** *** *****'* ***** ** *** ***** *** ******** ******.
  • **% ********** ** *** ***** ** * ********* ** *** *****'* ***** ** ******** ****** *-**.
  • ***% ********** ** *** ***** ** *** *****'* ***** ** *** ***** *** ****** ******
  • **% ********** ** *** ***** ** *** *****'* ***** ** ****** ****** *-**
  • ***% ********** ** *** ********* ************* ****** *** (******** ***********) ** **** ** *** ***** *** ****** ******
  • **% ********** ** *** ********* ************* ****** *** (******** ***********) ** **** ** ****** ****** *-**


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